Your home insurance policies can be confusing and we wanted to help make understanding your home insurance as easy as possible.
Coverage for the physical structure of your home.
Coverage for the physical structures not attached to your home.
Coverage for your personal belongings.
Coverage for 3rd parties personal injury or property damage.
Coverage for additional costs if you cannot live in your home temporarily due to a covered loss.
Coverage for costs associated with fire department call out charges.
Coverage for costs to bring your home up to modern building codes after a covered loss.
"Good neighbour" coverage to cover minor medical costs of 3rd parties.
"Good neighbour" coverage to cover minor property damage costs of 3rd parties.
Optional coverage for damages caused by a sewer backup.
Optional coverage for damages caused by sudden above ground water sources.
Optional coverage for damages from home service lines (water and sewer).
Optional coverage for damages to major systems in your home: AC, furnace, water heater, etc.
Coverage for costs associated with identity theft or fraud.
Earned perk that protects your premiums from increasing after your first claim.
Special coverage for high value items. Specifically named on your home policy.
Coverage option for businesses based out of the home. *Requires company approval.
Coverage for rental income in the event of a covered claim.