Personal Insurance


Whether buying your first vehicle or experiencing your first claim, automobile insurance can be overwhelming. By contacting one of our brokers, we can help answer your questions and make obtaining automobile insurance easy. Let us find the best company and coverage options to suit your needs and budget. Get a quote now!

We offer the following options under Automobile Insurance:

  • Motorcycle
  • Watercraft
  • Recreational Vehicle
  • Motorhome
  • Classic Car Program

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Home Insurance in Ajax

At Russ Bastow Insurance, we are committed to providing you with the coverage you need to protect what you value the most. We offer a wide range of home insurance coverage options for your home, cottage or home-based business in Ajax. Our staff would happily present you with the best value and packages for your insurance premium. Contact us today for a quote!

We are pleased to offer the following coverage options under Homeowners Insurance:
  • Condominium Insurance Packages
  • Tenant Insurance Packages
  • Cottage/Seasonal Insurance
  • Rental Insurance Packages
  • Home-based Business
  • High-value Homes
  • Umbrella
  • Value Added Riders

Types of Home Owner Insurance and Combinations Available in Ontario

Homeowners in Ontario can choose from a comprehensive array of insurance coverage, ensuring protection against unforeseen events and providing peace of mind.

Standard home insurance coverage:

Dwelling coverage:
Protects the overall structure of your house, including walls, roof, and built-in appliances, against perils like fire, vandalism, and certain natural disasters.

Personal property coverage:
Safeguards your belongings within the home, such as furniture, electronics, and clothing, from covered risks.

Liability coverage:
Offers financial protection in case someone is injured on your property, covering medical expenses and legal fees.

Additional living expenses (ALE) coverage:
Assists with temporary accommodation and living costs if your home becomes uninhabitable owing to a covered event.

Specialized home insurance options:

Flood insurance:
Given Ontario's diverse geography, homeowners may opt for additional coverage specifically designed to protect against the damages caused by flooding, whether from heavy rains, snowmelt, or other water-related incidents.

Earthquake insurance:
While earthquakes are rare in Ontario, residents may choose this coverage to protect against potential seismic events and associated damages.

Sewer backup coverage:
Guards against the financial burden of repairing or replacing property damaged by sewer backups, an issue that can occur unexpectedly.

Overland water coverage:
Protects against damages caused by water entering your home from overflowing bodies of water, such as rivers or lakes.

Combining coverages for comprehensive protection:
Homeowners in Ontario have the flexibility to tailor their insurance portfolios by combining various coverages for comprehensive protection. For instance:

Home and auto bundles:
Combining home and auto insurance often results in cost savings and streamlined coverage management, ensuring consistent protection for your home and vehicles.

Multi-policy discounts:
Insurers may offer discounts for bundling different policies, such as combining home and flood insurance or other specialized coverages.

Umbrella insurance:
Offers an extra layer of liability protection that extends beyond the limits of your standard home insurance policy. This can be specifically beneficial for those seeking additional peace of mind.

In conclusion, Ontario's homeowners can choose from a range of insurance coverages tailored to their unique needs. Whether safeguarding against standard risks or opting for specialized protections, the diverse insurance options empower homeowners to create a customized safety net that reflects their circumstances and priorities. To ensure the utmost protection for your home, consulting with a knowledgeable insurance professional can provide valuable insights and help craft a comprehensive insurance strategy.

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Russ Bastow Insurance
68 Church Street S.
Ajax, Ontario L1S 6B3