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Jag Patel
Broker
HomeLife/ Miracle Realty LTD, Brokerage
Independently owned and operated.
buyanyestate@gmail.com

Sachi Patel

Broker
HomeLife/ Miracle Realty LTD, Brokerage
Independently owned and operated.
Feature Listings
Presale Condos
U.C. Tower 31 Gladstone 57 Brock 430 ESSA Rush M City III Line 5 Stockyards Origin Lofts Lakeside Scout East Junction 2475 Eglinton 250 University Ave 543 Richmond 5400 Yonge Kings Landing The Poet King Toronto East 3220 Encore Theatre CG Tower 139 Church The Winslow 55 Charles The Stockton 540 King West 293 The Kingsway Park Terraces WaterWorks The Insignia Saturday Junction House The Well Evermore 831 Glencairn 2500 Yonge Wynford Gardens Artworks Tower Erin Square Vendôme The Keeley M The Garden District M2M Ellie Phoenix Aqualuna Universal City Prime 50 Scollard DTK The Cardiff Central 9th and Main ONE28 Pavilia UOVO Artists Alley II Maverick Auberge On The Park II Playground Sage X Theory Sugar Wharf Lumina Highlight Elgin East ERA at Yonge IN.DE Express 357 King West Saisons II The Prestige Riverside Square 5 D'or Markham Square 2 Guildwood 4800 Yonge Lakevu Bower Nord West Lakeside Residences Social The Kip District II The Diamond on Yonge M City II One Yonge East 55 Southport Square Nautique Lakefront Amber Valhalla Town Square Kingly Auberge On The Park Kingsway By The River 2 Harris Square Mississauga Square Saisons E2 33 Yorkville The Charles at Church Water Edge Avia Symphony Edge Towers Peter and Adelaide One Forest Hill Eight Forty Perla Towers ZEN King West Bauhaus Oak and Co Museum FLTS Cypress The Roncy Wesley Tower Television City B-Line 609 Avenue Road Indigo 2 Scoop West DuEast The Point Platform Queensway Park Trinity Ravine Towers 7 On The Park SF3 Avenue 151 Yorkville Plaza Midtown Avro Bianca Nobu Residences Artists Alley SuperSonic Canada House Panda Fleur Vita Two Transit City Westwood Gardens Nola Affinity Paradigm East Mirabella Bloor Promenade Islington Terrace The Bluffs YongeParc Wish The Plant Lake & East M City I Lighthouse East Vita on the Lake Time and Space Seasons II Liberty Central II Nord East Sage Prestige The Icona Ivy Via Bloor Mills Square The One Canvas 159 SW St Lawrence Aquabella 8 Cumberland Home Selene EV Royale MAX 75 On The Esplanade Seasons Vivo The Wyatt Joy SweetLife The West AXIS Grande Mirage AYC Park Avenue Place 2 Charisma Halo Residences on Yonge URL Bloorvista at Islington Terrace SIX25BV Rodeo Drive Empire Midtown The Kennedys The Park Club The Vanguard YSL Residences York 875 Queen East Parfait At Atria Sail 88 North Eighty One Wellesley The Rocket Cocoon Cosmos The Bennett on Bayview The Mercer Fortune at Fort York Arc 330 Richmond Whitehaus Bside Minto Westside The Lanes The Met 158 Front SQ2 Heartwood the Beach Fifth on the Park Sonic The Step 150 Redpath Pier 27 Tower Picnic The High Park River City 3 Danforth Square The Bean The Clover on Yonge Connect Grid Stanley East United On The Danforth 609 Sherbourne St The Jack The Clairington LNX Daniels Waterfront The Bartholomew Tea Garden The Ravine Beacon Park Avenue Place Avani 2 at Metrogate Art Shoppe The Rosedale on Bloor Citylights on Broadway Blue Diamond Aquavista at Bayside Lotus Zigg Teahouse 5959 Yonge Minto Yorkville Park The Selby Riverside Square University Suites The Eglinton The Yorkdale VOX The Academy Alter The Code The Cumberland The Taylor Totem Dundas Square Gardens YC Core Smart House Downtown Erin Mills HOT Gordon Woods Pinnacle Grand Park II PSV 2 at Parkside Village 1 Yorkville SQ at Alexandra Park On the Go Mimico Garrison Point Sage 6 Solstice Eau Du Soleil 2 The Dragon 181 Davenport 1 York Aqualina at Bayside 2221 Yonge 155 Redpath 383 Sorauren The Epicurean HighPark Casa 3 Axiom Eleven Superior The Station The Mark Yonge + Rich The College Quartz TRIO at Atria Beach Hill Residences Sage II Harbour Plaza Sixty Colborne Canary District Pearl 2 Ruby Life Fabrik Grand Palace Minto 30 ROE Ten York 88 Scott The Hill Indigo Bay 7777 Weston Road 1331 Yonge Street The Perry Condos The Remington Centre 30 Ordance Street Nero Key West 1Thousand Bay Rise 365 Church Karma Mirage The Brant Park Picasso Alto at Atria OpArt Lofts Flaire Jade Waterfront Cloud 9 133 Hazelton Spectra The Carlaw King Plus Condos The Beverley Hills Monde The Bond Rain 2 Ion Pears Avani at Metrogate Post House IVORY River City 2 The Yorkville Yorkville Plaza U Condo II U Condo I Tableau Studio II Studio I Rain 1 Pace One Bloor Neon Condo MYC Liberty Central King Charlotte Imperial Plaza ICE II ICE I Garrison Fuse Five Madison II Madison I Exhibit Cosmopolitan Bisha Backstage 3018 Yonge EXPO City 501 Yonge Abacus Lofts CASA 2 ALTO 109 OZ E FLO Crystal at Pinnacle Uptown 129 St Clair 159 Wellesley Street 101 Erskine 50 at Wellesley Station Wellesley On The Park Minto Westside Soul 87 Peter Forward Bristol
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Home Insurance

Why Buy A HomeHome insurance is one of the most important requirements in ensuring that any home owner has peace of mind and assurance that no matter what unforeseen factor impacts their property, there will be a level of coverage to help restore the previous condition. That is why virtually every single mortgage lender in Canada requires a legitimate comprehensive home insurance policy to be in place on any property they have a lien on.

Home insurance is generally structured in the form of a package policy covering not only the structure of the building(s), but also the contents. Another important coverage is the liability from a third party injuring themselves on your property and proceeding to sue you. Properties with swimming pools are a source of a surprising number of liability claims, as the presence of the pool considerably increases the probability of a claim against the home owner.

Home Insurance Cannot Cover Everything

Home insurance is not a panacea for all ills, thus it cannot possibly cover you for any and all disasters. It is important that a home owner understand not only what the policy covers, but more importantly what it does not cover. These are exceptions to the coverage and are generally referred to as exclusions. These exclusions may be applicable in case of your negligence, such as if you go off on vacation in the winter and leave insufficient fuel in the heating furnace tank so that the water pipes freeze and burst; or by what is commonly termed "acts of God" which includes the possibility of a flood, storm, or earthquake which damages your property.

Many of these unforeseen problems can be insured with additional policies but with common sense exceptions. If your property is located on an active seismic fault or a flood plain which is regularly inundated, you may find that the cost of obtaining such a policy is completely unaffordable if it is available at all.


Questions You Should Ask Your Home Insurance Agent

In order to fully understand your home insurance policy's coverage and limitations you should always ask your home insurance agent these questions:Why Buy A Home

  • What type of policy do I have and exactly what and who is covered by it?
  • What are the exclusions whereby damage and liability is not covered?
  • What is my replacement cost, and is it guaranteed?
  • What are my policy limits on specific assets such as computers, jewellery, and silverware?
  • What storm and water damage coverage does this policy offer?
  • What are the types of optional coverage I should consider given the type of property and the location?
  • What is my current deductible and how would it impact the premium to increase or decrease that deductible?
  • What security, policing, exclusion, and alarm features can be installed on the property to increase protection and bring down the premiums?
  • Is the claims service available 24 hours a day including holidays?

Any responsible home owner should be completely cognizant of all aspects of their policy and work with their insurance agent to ensure that the optimal balance of coverage vs. cost is achieved.

 



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