We recommend adding the following enhancements to most Intact home and property insurance policies. For a full list of home enhancements, please phone your nearest Armour Insurance office: 780-475-0959.

Claims Free Protector Endorsement

This enhancement will ensure you retain your Claims Free Discount when your policy renews after you have had one claim arising out of your principal residence and its contents. This applied to the first claim only. To qualify you must have previous continuous insurance for the past 5 years with no claims.

Rate: $40 a year for Homeowners and $20 a year for Condo and Tenant policies.

Claims Advantage – For Those 49 Years Or Less

Includes all the above PLUS waiver of your deductible up to $1000 on all certain property losses. To qualify you must have previous continuous insurance for the past 3 years with no claims.

Rate: $50 a year for Homeowners and $30 a year for Condo and Tenant policies.

Lifestyle Advantage – For Those 50 Years or More

Includes all the above PLUS Resident Health Care Coverage, and in the event of a total loss of your building or property, the insured has the option to receive a cash settlement basis instead of replacement. To qualify you must have previous continuous insurance for the past 3 years with no claims.

Rate: $50 a year for Homeowners and $30 a year for Condo and Tenant policies.

Identity Theft Endorsement

This endorsement will cover the cost of restoring your identity following an act of Identity Fraud up to a limit of $25,000. These costs include lost income, loan re-application fees, cost of notarizing affidavits and other legal fees. This endorsement also includes a 24/7 Identity Theft Assistance Line.

Rate: $25 a year.

Resident Health Care Facility Endorsement

This endorsement provides coverage for personal property owned by a family member, who is dependent on the insured for support and maintenance and resides in a Resident Health Care Facility. Coverage is extended from the insured’s Homeowner, Condo or Tenant policy and covers up to $5000 in all for any one family member.

Rate: $10 a year