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YOUR HOME INSURANCE
Find out what insurance fits you best.

Your PERSONAL PROPERTY includes coverage for:

PERSONAL LIABILITY:Because you don't have to be a millionaire to be sued like one! Covers your legal bills and settlements made against you
CONTENTS:All of your personal belongings. From shirts to shoes, curtains to couches, and everything in between
ADDITIONAL LIVING EXPENSES:This covers your expenses while your home is being repaired or rebuilt and you need somewhere else to stay.
If you own a HOME:
You should have a Homeowners Policy which also covers:
The building itself, including any outdoor swimming pools and attached equipment. This also includes outdoor trees, shrubs and plants.
Detached garages, sheds or outbuildings.
 
If you own a CONDO:
You should have a Condo Insurance policy which also covers:
Any upgrades to your condo, things like counter tops or cabinets that you couldn't take with you if you left.
The condo corporation is responsible for insuring the building itself, but if their insurance is inadequate each condo unit owner can be asked to kick in. You have an allowance just in case.
The condo corporation could also ask you to pay a share of any repair costs for common areas which your insurance would cover
 
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If you RENT:
There is no coverage for the building itself because your landlord insures that.
Good... Better... Best...
COMMON NAMES: Bronze or Named Perils Silver or Broad Form Gold or Comprehensive
Important Differences Fire, Lightening & Explosion, Smoke damage, Theft, Windstorm, Impact by vehicle, Vandalism & Falling objects In addition: Damage from spills such as paint, bleach or pets Lost luggage In addition: Includes mysterious disapearance
Special Limits apply to Jewellery, sports equipment, and business equipment Lower limits Mid level limits Highest limits
Cost Least Expensive Most expensive
Good...
COMMON NAMES: Bronze or Named Perils
Important Differences Fire, Lightening & Explosion, Smoke damage, Theft, Windstorm, Impact by vehicle, Vandalism & Falling objects
Special Limits apply to Jewellery, sports equipment, and business equipmenT Lower limits
Cost Least Expensive
Better...
COMMON NAMES: Silver or Broad Form
Important Differences In addition: Damage from spills such as paint, bleach or pets Lost luggage
Special Limits apply to Jewellery, sports equipment, and business equipmenT Mid level limits
Cost Least Expensive
Best...
COMMON NAMES: Gold or Comprehensive
Important Differences In addition: Includes mysterious disapearance
Special Limits apply to Jewellery, sports equipment, and business equipmenT Highest limits
Cost Most expensive

Insurance will not cover you for: Wear and Tear, Damage caused deliberately, Illegally aquired property, Riots or War Risks

OVERLAND WATER AND SEWER BACK UP:Weather patterns are changing and we are experiencing more severe storms more frequently. Water causes a terrible mess and costs a lot to clean up. Buying up your water damage coverage is highly recommended
VALUABLES: You can buy additional coverage for your precious jewellery or art
HOME WARRANTYIt covers the cost to repair or replace central heating and air conditioning systems, electrical systems, owned water heaters, and other appliances when they breakdown.
 
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