Free Tool

Ontario Home Insurance Help — $5 Seniors Rate

Paste your home policy below for a free instant scan · optional $5 PDF copy for Seniors Hub visitors

Paste the wording from your home insurance policy (or your renewal letter) and this scans it for 8 coverage gaps that commonly catch people out at claim time, then generates a letter you can send your broker. The scan and the letter are free — there’s an optional $5 PDF copy if you’d like a saved, printable version.

✓ 100% client-side — your policy text is scanned in your browser and never uploaded anywhere
✓ Plain-language explanation for each flagged gap
✓ Free on-screen results, with an optional $5 PDF copy

How it works

Paste → Scan → Ask your broker. An 8-point client-side scan in under 2 seconds.

01 Paste policyCopy the wording from your policy or renewal letter. We never store it.

02 Scan 8 gapsKeyword and pattern detection for common exclusions and low limits.

03 Broker letterAuto-generates a letter listing what to ask your broker to review.

City (used to date your letter)

Paste your home insurance policy text

Nothing you paste is uploaded or stored — the scan runs entirely in your own browser. For information only, not insurance advice.

0 possible issues 8 checked clean

Your Broker Letter

Want a saved copy?

Get a downloadable PDF of your scan results and broker letter for $5 (Seniors Hub rate — regular price is $8 at LeaseAiDetector.com). $5 + HST via Stripe’s secure checkout.

Get PDF Copy — $5 Seniors Rate

← Back to The Ontario Seniors Hub home

Also free to scan: Apartment Lease Car Lease Car Insurance Life Insurance

What the scan checks for (8 coverage gaps)

Actual Cash Value payout, not Replacement Cost — ACV factors in depreciation and pays less than it costs to rebuild
Sewer backup excluded — claims average around $10,000; a rider is typically ~$30/year
Overland water damage excluded — standard policies often exclude overland flooding
High deductible — $2,500 may be more than necessary for your situation
Liability capped at $1M — raising to $2M often costs only ~$30/year
Low jewelry/valuables limit — usually capped around $1,000 unless scheduled separately
Home-business exclusion — running any business from home may need a separate rider
Coverage voids after 30 days vacant — relevant if you travel often or the home may sit empty

Discounts worth asking about

These aren’t things a policy scan can detect from pasted text — they’re common discounts that go unclaimed unless you ask.

Bundle home + auto — often around 15% combined savings with the same insurer
Claims-free discount — many insurers discount after 5 claims-free years
Mortgage-free discount — some insurers offer roughly 10% once your home is paid off
Monitored alarm discount — a monitored security system can save around 10%

FAQ

Is this insurance advice?
No. Home Insurance Help is for information only. It flags wording worth asking your broker about.

Does it work for any insurer?
Yes — the scan looks for common policy language, not a specific insurer’s wording.

Is HST included?
No — the $5 PDF copy is $5 plus HST, collected automatically by Stripe at checkout ($5.65 total).

This tool uses the same scanning engine as our sister site, LeaseAiDetector.com →