- Login or Register
Home Insurance
Your home is more than just a house – it’s where memories are made and life unfolds. Protect it with insurance that’s built for you.
Your home is one of your most valuable investments, and the right home insurance policy ensures it’s protected. At CTM, we provide tailored coverage to safeguard your home and belongings, giving you peace of mind.
Our experienced, local agents take the time to understand your needs, offering personalized insurance solutions. With a variety of coverage options available, choosing the right policy can feel overwhelming – but we’re here to help.
A Homeowners Package covers not only your home but also your valuables within it. The package also includes detached private structures (such as a garden shed,) personal liability and more. Your agent at CTM will help you personalize your coverage and inform you about options like water coverage and guaranteed replacement cost.
A Condominium Package covers your personal property and liability. The package bridges the gap between what your condo corporation covers and what your personal package covers. With different types of condos available and different coverage options, speak to a CTM agent to get their expert advice.
If you are renting an apartment or a home, you need Tenant Insurance to ensure you’re protected. Tenant Packages cover your personal property, such as your clothes and electronics. Make sure you have the coverage you need today by speaking with an expert.
If you have a cottage, a permanently situated trailer or a hunting cabin, a Seasonal Package is the coverage you need. At CTM, we can help you find the right dwelling and liability coverage for your seasonal property.
If you are a landlord, you want to ensure your investment is protected. Our Rental Package covers your rental dwelling, contents and liability. The team of agents at CTM has the expert advice you need to cover your rental.
A Residential Insurance Package provides comprehensive protection for your home, belongings, and more. Key coverages include:
Dwelling Coverage – Protects the structure of your home, including the roof, exterior walls, permanently affixed fixtures, and attached structures like decks, porches, and garages.
Detached Private Structures – Covers structures on your property that aren’t attached to your home, such as detached garages, garden sheds, and other outbuildings.
Additional Living Expenses – Helps cover temporary housing and increased living costs if an insured loss forces you out of your home.
Personal Property Coverage – Protects your belongings, including clothing, furniture, appliances, and electronics.
Personal Liability Coverage – Protects you if you’re found legally responsible for bodily injury or property damage.
…and more.
At CTM, we offer various discounts to help you save on your residential insurance policy.
You may qualify for discounts if you have a monitored alarm system or a permanently installed automatic generator.
For homeowners, condominiums, tenants, and seasonal properties, we also offer a claims-free discount for those with no claims in the past three years and a mature discount for insured individuals aged 50 or older.
If your property is mortgage-free, you can benefit from additional savings, as well as if you have both home and auto policies with CTM through our multi-line discount.
For Plus Form Homeowners, a preferred home discount is available if the property is claims-free for three years, qualifies for multi-line, is hydrant and Firehall protected, and has no surcharges.
Our team of agents will work with you to ensure you receive all the discounts you’re eligible for.
Waterford Office
780 Old Highway 24
PO BOX 1030
Waterford, ON N0E 1Y0
(519) 443-7231 or (888) 302-6052
Komoka Office
22499 Jefferies Road
Building B – Unit 106
Komoka, ON N0L 1R0
(519) 264 2298 or (888) 302-6052
HOURS
Monday – Friday
8:30 AM – 4:30 PM
Caradoc Townsend Mutual Insurance © 2025 All Rights Reserved.