Protect your home and personal belongings with our
customizable home insurance policies.
Keystone Insurance Brokers understands that your home is more than a financial investment. It is a refuge – the place where you create memories and raise your family. At the end of the day, your home is a place of confidence, comfort and a place where you can feel safe. Keystone Insurance Brokers can help make sure that you can keep your home feeling like home all the time. Protect your home and personal belongings with our customizable home insurance policies. Whether it’s fire, theft, or natural disasters, we’ve got you covered. Our policies also include liability coverage for accidents that may occur on your property
Keystone Insurance and our insurers will create a custom insurance policy to protect your home from fire, lightning or windstorm damage, theft, and even little things, like coverage for visitors who might slip on an icy driveway. Your homeowner’s policy covers the physical structure of your home, permanent structures on your property and your personal property.
Keystone Insurance can provide coverage for whatever your needs or worries are. We cover damage to your dwelling or personal property from most causes unless it is specifically excluded. It’s commonly referred to as “all risks” and while there are exclusions, it’s as comprehensive as you’ll find.
Feel confident that you can enjoy the finer things in life with additional coverage through endorsements to your policy. Additional coverage may be purchased for items such as jewelry, furs, bicycles, gold, or silverware beyond the amount covered in a standard policy.
Different kinds of homes need different kinds of protection. Whether you live in a house or an apartment, regardless of whether you own or rent, you can rest easy that Keystone Insurance and our partners will work with you to tailor an insurance plan for whatever you need.
Are you propery coverage? Here’s a quick overview of the water coverage options that are available to you as a home or condo owner.
Overland Water – May enter the home when fresh water sources such as heavy rain, spring thaw, and overflow of rivers, lakes, and ponds.
Ground Water – Offers protection for events when water enters your home suddenly and accidently through a basement wall, the foundation of your house or through the floor.
Sewer Backup – May offer protection for loss or damage resulting from the sudden and accidental back-up or escape from sewers, drains, septic tanks, sump pumps or related equipment.
Service Line – This may cover the cost to repair or replace these underground lines from the street to your home when they fail.
Additional Living Expenses – If the location suffers one of these losses and you cannot access your home during repair completion, without this coverage, you do not have access to Additional Living Expenses coverage on your policy that will pay for you to stay elsewhere during that time.
Condominium Insurance
Your condominium association insurance offers coverage for your condo building and commonly owned property, but Keystone Insurance will make sure that you have coverage for interior damage, personal property and personal liabilities. Together, we can look at your existing coverage and tailor a plan to make sure everything you value is protected.
Tenant Insurance
If you are renting, your apartment or house is covered by a commercial insurance that covers the physical building. Keystone Insurance, however, can cover damage to or theft of your personal property. We can help create the most suitable plan to ease your worries be it coverage from fire, lightning, vandalism, mischief or any other perils.
Contact one of our Home Insurance Brokers for a quote or additional information.
Please Note: These are general policy descriptions to help you understand different types of coverage. They do not refer to any specific contract of insurance, and they do not modify any definitions expressly stated in any contracts of insurance. We encourage you to speak to your Customer Insurance Representative and to read your policy contract to fully understand your policy’s coverage and find out more about how we can protect what you value most.
Keystone Insurance Brokers was built by bringing together several trusted independent brokerages serving Southern Manitoba communities for decades.
Our roots trace back to 1995 in Crystal City, when Treble Insurance began serving local families, farms, and businesses. Over time, brokerages in Souris, Cartwright, and Pilot Mound joined together, forming what is now Keystone Insurance Brokers.
Today, Keystone provides trusted insurance advice across Winkler, Morden, Morris, Crystal City, Pilot Mound, Cartwright, Killarney, and surrounding communities, protecting everything from family homes and farms to commercial businesses and trucking operations.
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