Homeowners

Your home and your property are an extension of you. Make sure your insurance reflects its uniqueness and that it is perfectly suited to your and your family’s reality. You deserve the best coverage for that which covers you.

Choose the coverage you need :

  • House and exterior structures: It shelters everything you have and everything you are.
  • Contents : You work hard to make sure your house is a home.
  • Yourself : Personal liability coverage

Basic

  • Perils covered : natural disasters, falling objects, impact by aircraft or land vehicle, riot, smoke, vandalism, theft, transportation of personal property, electricity
  • Liability
  • Dwelling home only
  • Detached structures home only
  • Identity fraud
  • Personal property
  • Personal property moving
  • Dishonesty of others
  • Dwelling lock replacement or re-keying
  • Student property
  • Family member’s property in health care facility
  • Money and cash cards
  • Securities
  • Business books and tools
  • Jewellery and furs
  • Stamp collections and manuscripts
  • Coin and money collections
  • Collections
  • Bicycles
  • Watercraft and equipment
  • Outdoor trees
  • Debris removal
  • Water damage coverage: Climate change has resulted in water being the biggest threat to your home. It involves a variety of situations and possible add-ons :
  • Sewer back-up
  • Water and sewer lines
  • Overland water
  • Ground water

Optional

  • You can choose to have coverage for any prized possession items.
  • Fuel or oil escape or leak
  • Earthquake
  • Watercraft
  • Replacement cost, without depreciation
  • Guaranteed replacement cost on the building, even if it’s beyond the insured limit
  • Comprehensive advantage:
  • Replacement cost if your home is a total loss, with no obligation to rebuild the exact same home
  • Contents replacement cost
  • Property deductible waived on your first property loss
  • Claims free protection
  • Extras, beyond your home:
  • Personal property at any home you own or rent
  • Business property at your residence
  • Rental equipment
  • Landscaping
  • Increased coverage limits available
Homeowners

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