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Home Personal Insurance

Coverage for the life you actually live

From your first apartment to your dream home, your daily commute to weekend adventures — a Covalen broker builds protection around your real risks, then shops 20+ insurers to price it right.

Home & Property

Comprehensive protection for where you live — and everything in it.

  • Homeowners insurance
  • Condo insurance
  • Rental / tenant insurance
  • Chalet & secondary residence
  • High-value goods & collectibles
Get a home quote

Auto

Coverage that keeps you moving, whatever you drive.

  • Standard auto insurance
  • Multi-vehicle discounts
  • New driver & young driver plans
  • Ride-share & commercial use riders
Get an auto quote

Recreational

For life outside the daily grind, in every season.

  • Motorcycle insurance
  • Watercraft & boat insurance
  • ATV & snowmobile coverage
  • RV & trailer insurance
Get a recreational quote
Specialized Coverage

Hard to insure? We can still help.

Not every situation fits a standard policy. Covalen brokers specialize in finding coverage for complex or non-standard risks — prior claims history, high-value properties, unconventional builds, and unique circumstances that make direct insurers say no.

Through our access to specialty insurance markets, we regularly place coverage for clients who’ve been declined elsewhere.

Bundle and save

Combine home and auto — or multiple properties and vehicles — under one broker relationship:

  • Better rates through multi-policy discounts
  • One renewal conversation instead of five
  • One broker who knows your whole picture
  • One call at claim time, whatever happened
Good to Know

Personal insurance, demystified

Is tenant insurance really necessary?
Your landlord’s policy covers the building — not your belongings, and not your liability if you accidentally cause damage. Tenant insurance is inexpensive and covers both, plus living costs if you’re displaced.
Will a past claim make me uninsurable?
Not with a broker. A claim may narrow the standard market, but Covalen has access to specialty insurers who look at the whole picture, not just one line on your file.
Do I need separate coverage for my snowmobile or boat?
Usually yes — recreational vehicles are typically excluded or only minimally covered by home policies. We can bundle them with your existing coverage so it stays simple and affordable.

Let’s find your customized protection.

Get a free, no-obligation quote from a Covalen broker — it takes about three minutes to start.

Get a Free Quote Call 1-800-662-3313