Protect the Roof Over Your Head

Property Insurance

Property Insurance With Wall-to-Wall Coverage

Find the Right Coverage

Your Home is Worth Protecting

Homeowners Insurance

There’s no place like home. So when something goes wrong, insurance protects you and the people you love in your haven. Coverage for disasters big or small can help you put the pieces back together, so you can enjoy your home sweet home and the memories that come with it.

Tenants & Renters Insurance

Cover your unit from top to bottom. Whether you’re a tenant in a condo or rent property to others, tenant and rental insurance makes sure your unit and personal property are looked after so that you can avoid out-of-pocket payments on damages, injuries or theft.

Simple - Personable - Affordable

Find Your Insurance Fit

Rest assured that everything you own has a safety net. Get reliable protection for your biggest investment.

Dwelling Building

Covers the cost to repair or rebuild your home. Guaranteed Replacement Cost is typically built in, and deductibles range from $500–$5,000 or more.

Detached Private Structures

Covers buildings like your detached garage, greenhouse or garden shed. Limit is based on the amount your dwelling is insured for, and deductibles are the same as your dwelling coverage.

Personal Contents

Covers the loss or damage of your belongings to fire, water damage, theft, and more. Limits range $25,000 and up, and deductibles range from $300–$5,000 or more.

Additional Living Expense

Covers the out-of-pocket expenses you incur living at a temporary location if you’re forced out of your home due to repairs from an insured loss. Limit is based on the percentage of the  amount your home or contents are insured for.

Personal Liability

Covers personal injury or damage to another property when it turns out it’s your fault. Limits range from $1 million–$2 million.

Sewer Backup

Covers damage due to a backed-up sewer, septic tank, or storm drain. Limits range from $10,000 to the full policy limit of your contents and dwelling.

Identity Theft

Covers the expenses and damage incurred from being a victim of identity theft. This pays out insured costs to make the situation right. Limits range from $15,000–$30,000 depending on the insurance company.

Bylaw Coverage

Protects you from any increase in the repair cost due to new bylaw requirements after a loss. Limits range from $5,000 up to the full policy limit depending on the insurance company.

Scheduled Items

Covers high-value items like jewelry or collectibles that are beyond standard protection in your policy. Deductibles are typically low for a covered loss.

Home-Based Business

 For eligible home businesses, this covers your home office contents and liability if you operate your business from home.

Disclaimer: All coverages listed above are subject to the insurance company’s policies and wordings.

I have been a customer of Costen Insurance for over 3 years now. I have vehicle and property insurance through them. Nivi, who I am dealing with, provides me with the best available rate and always shops around when our renewal is coming. He is friendly, helpful and able to answer all my questions (and I always have another one :). I am very grateful for his assistance. Thank you, Nivi!

– Eva

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We Keep Your Home in Check, So You Can Enjoy The Lifestyle You Deserve

Whether it’s your first place, vacation rental, or your forever home, Costen can protect your stomping ground for years to come. We’ll find you the best coverage that suits the home you have – without prices that go through the roof.