Real Estate Investors
Steve Chittick insures rental properties, small portfolios and buildings held through holding companies for Ontario investors. He checks that the right owner is named on each policy, that rental use is properly disclosed, and that liability limits line up across every property.
One property or twenty, the details matter
Investment properties tend to be insured one at a time, as they’re bought, often with different insurers and renewal dates. Over the years that turns into a patchwork: one building in a personal name, another in a holding company, a condo unit with a tenant nobody told the insurer about, and an umbrella that only follows half of them.
Steve lays the whole portfolio out in one place, checks each policy against who actually owns the property and how it’s used, and shows you where the gaps are. When it makes sense, he’ll look at bringing properties together on fewer policies so they’re easier to manage.
Rentals and the family cottage
If you rent out the family cottage on Airbnb or VRBO in the summer, that’s rental use too, and it needs to be on the policy. See Muskoka cottage insurance for what changes when a cottage is rented.
Coverage for investors
Rental Properties
Rental property insurance for Ontario landlords, from one condo to a small portfolio: landlord liability, lost rent, vacancy and secondary suites.
Holdco-Owned Property
How to insure property held through a holding company in Ontario: named insured mismatches, leases to your own company, lenders and umbrella gaps.
Want a second set of eyes on your insurance?
Book a review with Steve. He’ll go through what you have now, show you where the gaps are, and give you his honest opinion. If everything’s in order, he’ll tell you that too.