Does my home insurance provide enough coverage on all my home's contents?
Generally a home policy will provide coverage that covers most peoples' contents, but there are certain exclusions.
High-value items may need special attention. However, if you have special high-value items (like jewellery, furs, artwork, coin collections, bicycles), you may want to purchase additional optional coverage for those items. You should consider doing an inventory of what you own. It will help establish if you have adequate limits and would be a useful record at the time of a loss. It will also help identify if you should purchase additional limits or optional covers.
Your Specialist can help you make sure you are covered.
Who and what is covered under my home insurance policy?
A home insurance policy usually includes your property (building, outbuildings and contents) and liability covers for the insured, including:
You and your spouse*
Any person under 21 in your care**
Dependents living away from home temporarily to attend school, college or university
*Spouse must live in the same household as you to be covered
**In Quebec, any person under 18 in your care.
Are there different types of home insurance I can purchase?
Yes. You may want home, condo, tenant, cottage or rental insurance. There are different types of cover available in each category*. There are also "add-on" features, depending on your personal circumstances. You'll want to consider how much insurance you need, and the deductible too (your portion of an insured loss), as this will affect your premiums.
Your Specialist can help you consider the options and pick the one that's right for you.
*Coverage varies in Quebec. Please contact us at 1.833.223.8740 if you have questions about services offered in Quebec.
Where can I find more information about the Wildfire Defense Systems Service?
Learn more about how the Wildfire Defense Systems service offers you peace of mind this wildfire season.
Home Insurance