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.

Overland water coverage is not universally offered and varies by provider. Please confirm availability with your specific insurer.

Rental Property: Protection for Landlords

Your standard home insurance won’t adequately cover a property that you rent to others. This leaves you exposed to tenant-related risks, like damage to the building or loss of rental income.

Landlord Insurance provides essential liability coverage and protects your investment property against exposures specific to renting.