Each homeowner has different needs that fit their lifestyle. So with an insurance policy that’s been fully customized to meet your unique needs, you can protect what you truly value.

Standard coverage for your home

Dwelling

This coverage pays for damage done to your home. This is sometimes referred to as your Dwelling Building coverage, it includes any attached structures.

Outbuildings

Coverage for any unattached structures such as fences, detached garages, and storage sheds. Sometimes referred to as Detached Structures.

Personal Property

Covers the contents of your house, including furniture, clothing, and appliances, if they are stolen, damaged, or destroyed.

Liability

Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.

Voluntary Medical Expense

Covers reasonable medical expenses for people hurt on your property. This coverage is special as it can provide coverage even though you may not be legally liable.

Voluntary Property Damage

Covers property damage that you are responsible for to others’ property, even though you may not be legally liable.

Loss of Use

Pays for additional living expenses if your home is too damaged to live in during repairs. Most standard home insurance coverage pays 10 to 20% of the amount of your dwelling coverage.

Extra coverages you can add on

Guaranteed Building Replacement Cost

Provides the most complete coverage for your home. With this special endorsement you are guaranteed to have your home rebuilt as it’s described even if it costs more than the coverage listed on your policy.

Disappearing Deductible

You can save hundreds of dollars with the Disappearing Deductible added to your policy before you suffer a claim. This endorsement reduces your deductible by 20% for every year you go without a claim. After 5 years without a claim, you’ll pay no deductible. It’s included as part of the Worry Free Bundle.

Sewer Back-up Protection

An important coverage option protecting against sewer back-up water damage. Water damage is currenly the claim you’re most likely to encounter as a homeowner, so making sure you have coverage to protect against sewer back-up loss is important.  

Overland Water Protection

An important coverage protecting against fresh-water flood. This coverage can be added to policies where sewer-backup coverage is already in place.

Personal Property Claims Protector

Keep your claims-free discount even after your first insurance claim when you have this endorsement already added to your policy. This is part of the Worry-free Bundle.

Identity Theft Insurance

Nobody is prepared for their identity to be stolen, but this endorsement can help you get back to normal as quickly as possible. This endorsement will enhance your credit and debit card coverage, provide lost income protection, and even cover some legal expenses tied to your stolen identity.

Inflation Guard

Keeping your limits of insurance adjusted by inflation. This endorsement automatically tailors your home insurance limits at renewal to keep pace with the rising costs of materials and labour to rebuild your home.

Scheduled Personal Property

Also called a personal article floater. With this coverage, possessions, including jewelry, furs, stamps, coins, guns, computers, antiques, business tools, etc., are covered. Each article is itemized and detailed in the floater, and excluded perils also are outlined. Personal article floaters often do not have deductibles.

Secondary Residences

Covers a secondary residence, such as a summer home. Insurance for secondary homes is not automatically provided by the home insurance policy, you have for your primary or principal residence, so it's important to add this endorsement if you own more than one home.

Watercraft

Expands personal liability and medical payments coverage for small sailboats and outboard motor boats only.

Worry Free Bundle

Get the best value from your home insurance by adding this endorsement which combines the Disappearing Deductible and Personal Property Claims Protector.

Ways you can save on your insurance

We offer multiple discounts and endorsements that make our otherwise competitive home insurance rates even more affordable.

  • Mortgage free discount
  • Claims free discount
  • Non-smokers discount
  • Combined policy discount
  • Monitored fire & burglary alarm discount
  • New home discount

Want to learn more? Then give us a call at 1.800.461.0318.

Note: Coverage and discounts may vary by insurance provider and are subject to change. Optional coverage and discounts have special eligibility criteria to qualify. Talk to a broker to confirm coverage options and discounts that are right for your policy. Available only in Ontario.

Did you know?

We Also Offer Rented Dwelling Insurance!

As a landlord, you take on a lot of risk. So, in case of an accident, would you have protection for yourself and your property? Give us a call at 1.800.461.0318 and we’ll answer any of your questions.

 

{