This is your primary residence building itself. But your home isn’t just four walls and a roof. Any permanently installed outdoor equipment on your property, including swimming pools, is protected under your Dwelling limit.

Stay safe and protected from thieves and other potential damage. Unless otherwise shown on the cover page, the settlement basis is the Actual Cash Value for loss or damage to mobile homes or their outbuildings. When determining the value of your home, don’t forget to consider the cost of debris removal services.

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Contents or belongings insurance is a specific amount to replace your clothes, furniture, TV, appliances, etc. Our personal belongings might cost tens of thousands of dollars to replace.

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If the building is damaged by fire, it could all be gone instantly. The dilemma arises when your adjuster asks you to provide a list of lost or damaged items when filing a claim. Do what you can to keep a record of your belongings by taking a picture of your closet or a video of you walking through each room. For special items that can’t easily be replaced, ensure you have a more specific record of it for your adjuster, as they will likely offer a cash settlement if no replacement can be acquired. Pictures and receipts of purchases are the ideal way to ensure you are adequately compensated in the event of a loss. Click here to see our downloaded checklist to help determine where to start.

What are Increased Limits? Lastly, it’s important to note that there are limits for particular items for how much your insurance policy will pay in the event of a loss. Review your wording booklet or ask your broker to review the list of unique items that may be limited for coverage. This can include jewellery, bicycles, books, firearms, fine arts, etc. You may be able to purchase additional coverage with Increased Limits if you find it necessary.

To be liable mean simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages. No one likes to imagine being sued. But accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement. This type of insurance is essential for homeowners because it helps protect them from financial losses that may occur due to a lawsuit. Liability automatically comes with your property insurance, but reviewing your coverage with an advisor to ensure you’re appropriately protected is essential.

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While Canada may not be known for outrageous personal liability settlements, the cost of these claims is rising. A five-million-dollar case may have been rare ten years ago, but not so much anymore. With inflation on the rise, the compensatory awards awarded to plaintiffs are also increasing. Keep in mind no lawsuit is a quick fix. Some take years for the court to settle, adding to the bottom line.

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Depending on where your seasonal is located, you may have one or more volunteer fire departments responding in the event of a fire. If this is the case, you may be surprised by a hefty bill when it’s all over. With Voluntary Fire Fighting coverage, this expense would be covered by your policy up to the limit stated on your policy documents. Contact your RM to find out the going cost for your area if the fire department were to respond.

For example, if you live in the Qu’Appelle area, their community page offers the rates of the services to help you determine how much coverage you may need.

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Our Loan Protection coverage is not a one-size-fits-all style policy. Our personalized policies translate to better coverage and premiums that are, on average, 30-50% lower than traditional Creditor Insurance. We can offer you the following:

• Non-commission dedicated advisor with industry experience.
• Regular touchpoints with your advisor to ensure that your plan is working for you.
• Access various services, including habitational, auto, travel, business and farm insurance solutions.

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