Tell us a bit about you Coverages to consider
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coverages that protect you
Let’s start by talking about what you need to protect yourself, your family, and your assets.

If you’re in an accident, it’s vital to have third-party liability and accident benefits. These coverages help pay for other people’s property damage and injuries, as well as your medical expenses if the other driver’s uninsured.

A word on limits

When buying each of these, you set a limit — the maximum amount the coverage will pay. The Coverage Counsellor tool will suggest limits for you consider based on your answers to a few simple questions. Ultimately, the decision is yours. Just keep in mind that if accident-related damages exceed your limits, you could be responsible for the excess. Most drivers in your province choose $1 million as their liability limit, but you can buy as much as $2 million if you have a lot of assets to protect. Though lower limits are available, choosing them could leave your finances at risk if something happens. The lowest limit you are permitted to purchase in Alberta is $200,000.

When buying each of these, you set a limit — the maximum amount the coverage will pay. The Coverage Counsellor tool will suggest limits for you consider based on your answers to a few simple questions. Ultimately, the decision is yours. Just keep in mind that if accident-related damages exceed your limits, you could be responsible for the excess. Most drivers in your province choose $1 million as their liability limit, but you can buy as much as $2 million if you have a lot of assets to protect. Though lower limits are available, choosing them could leave your finances at risk if something happens. The lowest limit you are allowed to purchase in Ontario is $200,000.

Personal injury protection

Make sure the PIP coverage you choose is right for you

Since PIP is often a required coverage and provides such important protections, it's vital that you thoroughly review any health insurance and work-loss coverage that you may have to determine if they'll help with accident-related injuries (and if so, how much), and then compare that coverage with the PIP coverage available in your state. Keep in mind that many government health care programs, including Medicare/Medicaid and military and Veterans Affairs plans, won't provide all the benefits that PIP coverage can, or will only provide secondary coverage.

If your existing coverage won't help with injuries caused by accidents, or won't help enough, you'll want to consider buying higher levels of PIP coverage.

You'll have a chance to select the PIP limits (and in some states, deductibles) that are right for you when you get a quote.

now let's cover the products that protect your car

A word on deductibles

Comprehensive and collision coverages help pay to repair or replace your car if a covered incident damages it. When you buy these coverages, instead of selecting a limit, you select a deductible — the amount you pay to cover a claim. Typically, the higher your deductible, the lower your premium. (But you'll also pay more out of pocket if something happens.)

now for the extras
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umbrella insurance umbrella insurance

Umbrella insurance kicks in after your vehicle and homeowners' (or other applicable policies) liability limits have been exceeded, helping to ensure you've got optimal liability coverage against high-damage claims.

To get an umbrella quote, call us or learn more about this important coverage.

homeowners insurance homeowners insurance

Homeowners insurance helps pay for repairs of damage to your home, provides liability coverage, and can even help cover other people's medical bills if they're injured on your property.

Renters insurance Renters insurance

Since you rent your home, we suggest you consider getting renters insurance to protect your belongings (at home and on the road), help pay living expenses (if something happens to your home), and even help you recover from identity theft.

homeowners insurance homeowners insurance

Esurance can help you find and customize a health insurance plan from one of 180 companies, helping to ensure you get the coverage - and price - that's right for you.