Dwelling & Detached Structures

Your Dwelling coverage encompasses your principal residence and any attached structures and additions. These permanent fixtures and associated equipment are covered under this policy, provided they are not used for business or farming purposes.

Contents & Personal Valuables

Contents insurance would include clothing, electronics, furniture, etc.; it provides protection for these items while they’re on your property or temporarily removed (like when travelling).

*Jewellery, Watches, Art, Bicycles or Instruments: For claims involving loss due to theft or mysterious disappearance, please note there may be limits/exclusions on the amount of coverage available.

Personal Liability Insurance

If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages. Accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement to pay.

Sewer Back-Up Coverage

Sewer backup coverage protects you from loss or damage to your property caused by the rupture or escape of water from a sewer, drain, sump pump, or septic system.

Overland Water Coverage

If the water touches the ground before entering your home, it’s overland flooding. Overland water coverage protects you from sudden damage caused by excessive rain, overflowing rivers, etc.

Service Line Coverage

Helps cover direct physical damage caused to the exterior underground piping that connects your home to utility or service lines. This includes communication lines, internet access, drainage, electrical power, waste disposal, water, and heating, such as natural gas lines.

Home Systems Protection Coverage

Also known as Home Equipment Breakdown, it is a type of coverage that explicitly protects the systems and appliances in your home. This can include your air conditioning and heating systems, electrical panels, and water heaters.

Exclusive Insurance Discount: for APEGS Members

We’ve partnered with Peace Hills Insurance to offer exclusive discounted rates on home, condominium, and tenant insurance for APEGS members.

For over 18 years, we’ve worked closely with APEGS members, ensuring they receive the best insurance options available.

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