Empire Communities

Empire Communities Home Insurance and Condo Insurance

Congrats! You are an Empire Communities new home or condo owner. This is a super-exciting time! There are so many things to look forward to.  Everything in your new home will be fresh and new, and ready for you to enjoy.

Your Empire Communities home really is your empire.  And you are indeed the king or queen of your castle. You have made decisions on so many things - from paint colours to floor tiles to … well, like we said, pretty much everything. You have made choices that suit your needs, your lifestyle and your budget.

When it comes to Empire Communities home insurance, it is important that you get the best fit too. Insurance is definitely not a one-size-fits-all purchase.

Talk To An Empire Communities Home Insurance Specialist

Your best bet is to talk to an insurance broker who can shop at dozens of insurance companies to get you the Empire Communities home insurance protection you need at a great price. Insurance brokers are trained insurance experts who work for you.  We do not work for insurance companies. Our commitment to you is to get Canadian insurance companies competing for your business. This is exactly what we do at Morison Insurance: We get dozens of companies to provide competitive quotes, and we get you the insurance that covers your unique requirements at the best price possible.

Morison Insurance Is The Exclusive Provider of Empire Communities Home Insurance

There is, however, a substantial difference that sets Morison Insurance ahead of other insurance brokers when it comes to Empire Communities home insurance or Empire Communities condo insurance. We offer exclusive insurance savings for Empire home and condo owners through our Empire Communities Home Insurance and Empire Communities Condo Insurance program. This means additional insurance savings opportunities for you. This is great news when you are buying a big-ticket item like a house! Every bit of savings helps and the brokers at Morison Insurance will do all we can to help you reduce your Empire Communities home insurance costs.

From the moment you contact us online or by phone, we will begin working on money-saving quotes, get you all the discounts you qualify for AND we will apply exclusive savings for Empire Communities home insurance whenever possible.

Where Should I Buy Home Insurance For My Empire Communities Home or Empire Communities Condo?

We have already shared some important reasons why Morison Insurance is a great option for Empire Communities home insurance and condo insurance. Here are a few more reasons:

Morison Insurance has been providing insurance to homeowners across Ontario for more than a century. We are an award-winning brokerage with offices across Southern Ontario. In many cases our brokers and team members live in the communities where Empire Communities is building. We are close at hand and we understand your Empire Communities home insurance concerns and requirements. We also think you will love our concierge-style service. It is first-in-class and personal. At Morison Insurance it is all about You. We want you to Live, Work and Play Protected.

Morison Insurance is also a full-service brokerage. This means that if you have it, we can insure it. We can insure your home, your auto, your cottage, your recreational vehicles, your business, your life and virtually everything else in between. Having all of your insurance with one broker can make your life easier and it can save you significant money.

As a Morison Insurance client you will have a dedicated broker who will look after all of your insurance needs, including shopping for the best prices, looking after your insurance coverages, answering any and all questions you may have, helping you in case of a claim and making any coverage changes you may request.

Should I Shop Around For Empire Communities Home Insurance & Condo Insurance?

We cannot stress enough how important shopping around for insurance is when you are buying an Empire Communities home or condo. It can save you money. And here is another important plus: At Morison Insurance we make shopping easy for Empire Communities home insurance because we do the shopping for you. We get you prices and coverage details, and you choose which company you want to buy insurance from. Coverages can differ among companies and so can prices. Also be aware that often when you are arranging your mortgage with a bank, you may be asked if you want to purchase the bank’s insurance. If you say yes, note that you are missing out on an opportunity to shop around and possibly save money on your home insurance.

Are There Discounts for Empire Communities Home Insurance and Condo Insurance?

While we are shopping the best Empire Communities home insurance option for you, our Morison Insurance brokers will also look for any discounts you qualify for to save you even more money on your home or condo insurance!

Here is a list of our most popular ways to save on your Empire Communities home insurance:

  • Do you have an unfinished basement? You could save up to 15% with this discount.
  • Are you a non-smoker? We have a discount for that!
  • Are you lucky enough to be mortgage-free? Ask us about this discount.
  • Bundle up and save by insuring your Empire Communities home or condo and your cars or other vehicles with the same insurance company. This could save you hundreds of dollars. Save up to 17% on your car insurance and up to 5% on your home insurance.
  • We offer a claims-free discount
  • Everyone has a water heater! We will see if you qualify for our water heater discount. You could save up to 25%.
  • Woohoo! A new-home! Let us give you the details on these insurance savings.
  • Do you have a fire or burglar alarm? There is a discount available.
  • Are you a retiree? We would love to get you this discount!
  • Do you have a student in your household? Check out if you qualify for the good-student discount.
  • Maybe you qualify for a renewal dicount.
  • Do you qualify for the senior’s discount?
  • A loyalty discount may apply to you. Let us see if you qualify.
  • Other discounts may apply if you insure your car or other vehicle(s) with Morison Insurance. We offer a winter tire discount, a conviction-free discount, a low-mileage discount, a driver training discount, a multi-vehicle discount and others.

Are There Savings For Empire Communities Home Insurance and Condo Insurance?

As an Empire Communities homeowner you have access to an exclusive Empire Communities home insurance program.  The coverage can be tailored to fit your needs with value-added features and benefits, including:

  • All-Risk Coverage on your dwelling and contents
  • Guaranteed Replacement Cost Coverage on your dwelling
  • Replacement Cost for your contents
  • Additional Living Expense Coverage if you are not able to live in your home due to a claim
  • Worldwide Personal Liability Protection
  • Enhanced Water Damage Package including coverage for sewer back-up, water and sewer lines and (in eligible locations) overland water

Morison Insurance has exclusivity to offer this program through our partner Intact Insurance.  You can also enhance your Empire Communities home insurance protection with these two great add-ons – offered free for two years:

  • Enjoy Savings On Identity Theft Assistance Plus Coverage. It takes a thief just a few hours to assume your identity, but it can take months or even years to restore your good name, credit rating and legal standing. We can provide coverage to reimburse your identity restoration expense, up to a maximum of $25,000 per policy period.
  • Save On Outdoor Living Space Coverage. We can provide extra protection for customers who take as much care and pride in their outdoor living space as they do in their home. This covers professional garden design and expenses, including landscape elements such as ponds, patios and landscaping rocks up to a $10,000 limit ($1,300 limit for any one item).

Do I Have to Buy Home Insurance For My Empire Communities Home?

No, you are not legally obligated to buy coverage for Empire Communities home insurance. Here is something many people do not know: There are no laws in Ontario that require you to buy insurance for your home, or any home for that matter. That said, it is strongly advised that all homeowners and home buyers have home insurance. Why? You have a lot invested in your home – your financial investment and your emotional investment (just to name two biggies) – and we are pretty sure you will sleep a lot more soundly if you have your home protected by insurance in case of any number of perils that could arise. Fire, theft, and liability risks are a few among several perils that can leave you with major damage to your home and facing major financial hardship if you are not insured. With Empire Communities home insurance your dwelling, your belongings, and your liability risks are protected.

Do I Need Insurance For My Empire Communities Condo?

Many people think that because they live in a condo building, they will be covered by the building’s insurance policy. This is not completely true. An Empire Comminutes condo building’s policy covers some things, but it does not cover your personal items or provide coverage for other important risks. Empire Communities corporation’s building policy covers shared areas such as a meeting room, a gym, a pool, elevators, hallways and other common areas.  It does not cover each owner’s personal belongings. It also does not cover any improvements you may make to your condo. There is also no liability coverage for you, as an individual condo owner, under the building’s insurance policy.

Do I Need Insurance For My Empire Communities Home?

Home insurance is not mandatory. You are not required by law to have it. That said, money spent on an Empire Communities home insurance policy is money well spent. Your Empire Communities home is likely the largest investment and asset you have. Protecting it with Empire Communities home insurance makes sense. The foundation of insurance is to protect you from financial loss. You purchase insurance – through annual premiums - from an insurance company and the company agrees to cover repair or restoration for stipulated losses should they occur.  Empire Communities home insurance can cover your home, additional buildings on your property, such as a garden shed or a free-standing garage, your contents and your personal liability in case of damage or injuries to a third party while they are on your property. Common risks such as fire and theft are covered in most home insurance policies.

What Insurance Coverages Are Available For My Empire Communities Home?

You can choose among several types of coverages for your new Empire Communities home insurance policy, including basic or named perils coverage which covers only specific perils you select for protection to comprehensive coverage which provides more protection. All home insurance policies include liability protection.

Who Has The Best Insurance For My Empire Communities Home?

Through our exclusive Empire Communities Home Insurance & Condo Insurance program, Morison Insurance spends time working on your customized insurance so you don’t have to. Morison Insurance  takes the time to make sure you get the insurance coverage you need for your Empire Communities home insurance or condo insurance and we understand that each homeowner’s insurance needs are different. Our Empire Communities home insurance specialists will promptly take you through the insurance process and get you looked after. Morison Insurance’s goal is to get you the right insurance at a great price and get it done promptly.

Will Banks Require That I Have Empire Communities Home Insurance?

If you require a mortgage to purchase your home, banks in Canada will require that you have home insurance. We strongly recommend that you don’t wait until the last second to buy your Empire Communities home insurance so give yourself lots of time to explore your options.

It also bears repeating that when you are offered home insurance from a bank, you are only getting one price on home insurance. You are getting the bank’s price.  Through Morison Insurance’s Empire Communities Home Insurance program, we could save you a lot of money, and at the same time get you much better coverage. In minutes we will have insurance companies across Canada providing insurance quotes for you.  Here is the takeaway, give us a call, or complete one of our contact forms and we’ll be in touch as quickly as possible so you can start thinking about other things.  Let us look after presenting you with great insurance options for your Empire Communities home insurance.  You’ll be happy you did.

How Much Will Home Insurance For My Empire Communities Home Cost?

On average, your Empire Communities home insurance can cost anywhere from $900 to $2,000 per year. The cost of your home insurance is dependent on the type of home, coverage, location, recent updates, if there is a mortgage on the property, insurance/claims history, and that’s just to name a few. Ensure your new home is properly protected. Contact a Morison Insurance broker or fill out the contact form on this page to get properly insured.

How Much Will Condo Insurance For My Empire Communities Condo Cost?

The cost of your Empire Communities condo insurance can cost anywhere from $300 to $700 per year. The cost of your condo insurance will depend on the type of building, coverages, location, insurance/claims history, contents and any betterments and improvements done to the unit.

Does Home Insurance Cover Warranty Issues That May Arise In My New Empire Communities Home or Condo?

In Ontario Tarion provides warranty protection for new homes and condos. This protection will apply to your new Empire Communities home or Empire Communities condo. Tarion makes sure that home builders comply with the Ontario New Home Warranties Plan Act which details protections builders of condos and homes must provide to purchasers of their new homes.

Home insurance differs from the Tarion warranty in numerous ways.  Home insurance provides coverage for perils such as fire, theft or other losses as well as personal liability in case a third party is injured while on your property. These are not covered by Tarion. It is advised that you have home insurance in addition to the Tarion warranty.

In closing, congratulations on buying your Empire Communities home or condo. We look forward to helping you get the very best insurance coverage and service. We want you to sit back, relax and enjoy your new home knowing you are protected.

We Look Forward To Helping You With All Your Insurance Needs


Empire Communities Home Insurance



AVALON - Caledonia

HAGERSVILLE - Hagersville

IMAGINE - Niagara

LAKESIDE - Brampton

LEGACY - Thorold

LUSH - Stoney Creek



VICTORY - Stoney Creek

WYNDFIELD - Brantford




MAVERICK - Toronto

MIDTOWN - Toronto

PHONEIX - Etobicoke

RAIN & SENSES - Oakville

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