The cost to rebuild your home (often different from its market value - Guaranteed Replacement Cost coverage is available to protect you if the cost to rebuild is underestimated)
The cost to replace your personal property
Protection against liability claims
Need help?
Your Specialist can help you estimate how much coverage you need. They will also help you decide on the type of coverage you need and the deductible (your portion of an insured loss).
Will my insurance cover me if I participate in home share or short term rental?
Yes, but there are limits and exclusions.
You are insured while you rent your dwelling to others, up to a maximum of 30 days in total, in one policy term.
For the duration of the rental period, loss or damage caused by theft is not covered.
*Coverage varies in Quebec. Please contact us at 1.833.223.8740 if you have questions about services offered in Quebec.
Who should I contact if I need emergency assistance outside of your business hours?
No worries, our claims service is available 24/7, every day of the year. Just give us a call at 1.833.223.8743.
How can I add jewellery (etc) to my home policy?
Your home policy will cover the personal items in your home (subject to limits) which can include your furniture and appliances, clothing, jewellery, electronics, cameras, etc.
Although specialty items (such as jewellery, furs, artwork, coin collections, bicycles, etc.) are included in your personal property, they are often subject to specific limits.
When higher limits are required for specialty items, you can purchase optional riders to enhance coverage.
Please connect with us to ensure that you have adequate coverage to protect you and your valuables.
Do you have preferred suppliers or repair facilities?
Yes, we do. You can ask your Specialist or Claims Adjuster for a referral from the list.
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.
What are private structures?
Private structures are also known as additional buildings. They are sheds, detached garages, gazebos, etc. that are located on your property.
How do I find out if my insurance policy is valid?
Home Insurance