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Home Insurance
Own a home? You should have a Homeowner’s Policy which also covers:
Outdoor Equipment
The building itself, including any outdoor swimming pools and attached equipment. This also includes outdoor trees, shrubs and plants.
Other Structures
Detached garages, sheds, or outbuildings.
Condo Insurance
Own a condo? You should have a Condominium Policy which also covers:
Upgrades
Any upgrades to your condo, things like counter tops or cabinets that you couldn’t take with you if you left.
Condo Corp
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.
Common Areas
The condo corporation could also ask you to pay a share of any repair costs for common areas which your insurance would cover.
Tenant Insurance
Renters: There is no coverage for the building itself because your landlord insures that.
Good
Common Names:
Bronze or Named Perils
—–
Important Differences:
Fire, Lightning & Explosion, Smoke damage, Theft, Windstorm, Impact by vehicle, Vandalism & Falling objects
—–
Special Limits apply to Jewelry, 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 Jewelry, Sports Equipment, and Business Equipment
Mid level limits
—–
Cost
Silver or Broad Form
Best
Common Names:
Gold or Comprehensive
—–
Important Differences:
In addition:
Includes mysterious disapearance
—–
Special Limits apply to Jewelry, Sports Equipment, and Business Equipment
Highest limits
—–
Cost
Most expensive
Insurance does not cover
Wear and Tear, Damage caused deliberately, Illegally acquired property, Riots or War Risks
OVERLAND WATER AND SEWER BACK UP
Weather patterns are changing and we are more frequently experiencing severe storms. 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 jewelry or art
HOME WARRANTY
It 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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