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When purchasing home insurance ontario it's important to consider several factors to ensure you're getting the right coverage. First, evaluate the type of coverage you need, such as basic coverage, comprehensive coverage, or special endorsements for specific items like jewelry or high-value possessions. The value of your home and possessions will determine the amount of insurance you require to cover potential losses. Additionally, consider the deductible amount; higher deductibles often mean lower premiums, but you should ensure you can afford the deductible if you need to make a claim. It's also essential to assess the risks specific to Ontario, such as severe weather conditions (e.g., flooding or ice storms) and whether your policy includes coverage for these risks. Finally, review your insurance provider's reputation and customer service, as you want a company that will be reliable and efficient when handling claims.