For Your Home

A comprehensive homeowners insurance policy is what you need if you want to protect the places you call home.

Policy Highlights

• Your property and contents are covered against a wide variety of losses
• A single limit of insurance, rather than a specific limit on each item, is available to cover losses on your home, detached buildings, contents and additional living expenses
• Inflation protection on property limits is automatically included
• Coverage in case of mass evacuation can be included
• A minimum of $1,000,000 worldwide personal liability coverage is included
• Sewer backup coverage can be added
• Identity Theft can be added

For Your Condominum

In order to cover your unique needs as a condominium unit owner, ask about multi-risk coverage for your contents, to the limit you select.

Coverage for condominium unit owners:

• Unit Contingent – 2.5 times your contents limit (protects your share of the condominium unit that you occupy)
• Loss Assessment – 2.5 times your contents limit (protects your share of any special assessment made by the condominium corporation)
• Insurance for Improvements & Betterments made to your unit – 25% of the contents limit
• Additional Living Expense – 50% of the contents limit
• A minimum of $1,000,000 worldwide personal liability coverage, with higher limits available

•  Your contents – for their replacement value, without deduction for depreciation
• Additional living expenses – 20%-40% of the contents limit
• Personal Liability – a minimum of $1,000,000 worldwide personal liability coverage is included, with higher limits available

 Many comprehensive packages include additional coverage at no extra charge:

• Personal Property covered while at your workplace, or while temporarily removed from your home, anywhere in the world**
• Protection for illegal use of your credit card or automated teller machine card**
• Contents of your food freezer**
• Coverage for student's personal property when attending school full-time, away from home**
• Fire department charges
• Cost of replacing locks if your keys are stolen during a burglary**                        

** Limits apply 

 Cottage and Vacation Property

We can provide insurance for your cottage or seasonal residence, depending the location and frequency of use.

Is your cottage more like a "home away from home"?   Then your insurance needs may go well beyond the limited coverage typically available for cottages. We have policies that provide the same level of protection as a policy for your home.

You can add specific coverage for:  Boats, Motors, Utility trailers.   Also increase your liability coverage to protect against the hazards of waterfront exposure.

Travel Trailers and Campers

You can add coverage for vacation trailers and camper units to your home, condominium, or tenant's insurance policy.

This can include the built-in accessories and equipment that are part of the trailer unit.

• Attachments such as awnings can also be insured.
• Utility trailers can be covered separately.
• You should consider this option carefully, as your homeowner's policy may only provide limited coverage.

Boat & Motor Coverage

You can add boat and motor coverage to your home, condominium, tenant's or cottage policy. If you own or operate a personal watercraft (jet-ski), contact us to discuss potential coverage options.

For unique or more expensive craft, speak to our Marine Team about your individual marine insurance needs.   

Remember that several provinces have new requirements for pleasure craft. To learn more, check The Safe Boating Guide.