Help & Support - Home Insurance

Building code and zoning law changes don't usually apply to existing buildings. However, if you suffer loss or damage to your dwelling, you may have to rebuild to current standards.

This coverage provides protection for new by-laws that would increase the cost of rebuilding or repairing your dwelling following an insured loss.

Although this coverage comes standard with some property policies, increased limits are available (in some provinces). Please connect with us to ensure that you have adequate coverage to protect you and your family.

There are some general responsibilities involved in having insurance coverage, including but not limited to:

• Being completely honest in your application (if you aren't, it can void your insurance coverage)
• Knowing your obligations under your policy (it's best to discuss this with your Specialist before you ever need to make a claim, so you avoid any surprises)
• Paying the premiums (if you don't, your coverage can be cancelled, with notice)
• Notifying your insurer of any changes to your property (renovations, etc.)
• Preventing or reducing the chance of further damage, keeping in mind that safety comes first

Every case is different. Your Service Supervisor can answer this question, though. Just call 1.833.223.8740.

Your home insurance in most provinces*, will provide coverage for claims other than damage to the watercraft (or other recreational off-road vehicle) if:

• You have consent to use the watercraft or vehicle
• You are not racing
• You are not using the watercraft or vehicle for business
• The watercraft or vehicle is not subject to registration

*Coverage varies in Quebec. Please contact us at 1.833.223.8740 if you have questions about services offered in Quebec. 

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. 

Part of our service is providing somebody to help you every step of the way. It's important that you let us know right away if you hear from a person also involved in an accident or their insurers or other representatives.

Before starting a claim, please:

• Make sure your property is safe and secure and you've prevented any further damage if you can (e.g. if safe, turn off water and electricity if a pipe has burst)
• Call the police if there has been any theft or attempted theft, break-in or vandalism to your home
• Take pictures if you can
• Keep any damaged goods

Ready to make your claim?

1. Contact your Specialist and let them know about the loss. You'll need to supply information about:
   • The circumstances
   • What was lost or damaged
2. We'll assign a Claims Adjuster (at no cost to you) to coordinate the claim with you.
3. If needed, we can help you get temporary repairs made to prevent further damage and get life back to normal as soon as possible.

Flood coverage may be purchased as part of Enhanced Water Damage Package, subject to eligibility.

Please connect with us to inquire.

*In Quebec, flood coverage is available under Water Damage - Ground Water, Sewer and Overland Water. Please contact us at 1.833.235.2136 if you have questions about coverage in Quebec.