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).

Personal Valuables Coverage is for high-value items such as jewellery, watches, art, bicycles, instruments, etc. Under this wording, there is a limit to the amount of coverage you can receive during a claim.

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. This type of insurance is essential because it helps protect you from financial losses that may occur due to a lawsuit.

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.

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