Does Home Insurance Cover Pest Control?

Generally, no. Pest control is considered a maintenance issue and is excluded from standard home insurance policies in Ontario. However, if pests cause structural damage — for example, a squirrel chews through wiring and causes a fire — the resulting fire damage may be covered, but not the pest removal itself. Some premium policies include limited pest coverage; check your policy wording.

Does Home Insurance Cover a Locksmith?

Standard home insurance does not cover locksmith costs if you're locked out. However, if locks need to be replaced after a break-in or burglary, lock replacement is typically covered under your policy's property damage benefit. Some insurers offer optional "home emergency" riders that include lockout assistance.

Does Home Insurance Cover Furnace Repair?

Standard home insurance does not cover furnace repair or breakdown — insurance covers sudden, accidental damage, not mechanical failure from age or wear. If your furnace fails due to a covered peril like a power surge from a storm, there may be some coverage. Furnace protection plans from companies like Reliance or Enercare are a separate product specifically designed for equipment breakdown.

Does Home Insurance Cover Garage Door Damage?

It depends on the cause. If your garage door is damaged by an insured peril — a storm, vehicle impact, vandalism, or falling tree — the damage is typically covered subject to your deductible. Mechanical breakdown of the opener or spring failure from normal wear is not covered.

Home Insurance Coverage for Home Services Ontario | Guide

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