Help & Support - Home Insurance

If your property has a woodstove, or you’re thinking about installing one, there are a few things that need to be taken into consideration. For starters, you’ll need to provide the following information:

• Whether or not the stove was (or will be) professionally installed
• The type of fuel it burns—logs or pellets
• The amount of fuel you burn in a season
• Whether or not the stove is certified by a recognized Canadian certification agency.

If you have any specific questions about woodstoves and home insurance, your Specialist will be happy to answer them.

For home and condominium owners, you'll need insurance as soon as you become legally responsible for the property - even if it's still under construction. If you do not plan to move in to the property immediately it is important to note that vacant buildings are not usually insured for more than 30 days.

Tenants also need insurance. Even if you don't own the home you live in, there are several important reasons to have insurance:

• Coverage for the loss or damage of your contents and personal property
• Coverage for additional living expenses if you have to move out of your rental because of an insured loss
• Personal liability coverage
• Coverage for dwelling improvements and betterments made by you or acquired at your expense

Tenant insurance is relatively inexpensive. It protects your contents and your legal obligations to visitors and the owner of the home.

Please connect with us to ensure that you have adequate coverage to protect you and your family.

Your homeowner's policy will cover the personal contents in your home (subject to limits) which can include your furniture and appliances, clothing, electronics, cameras, etc.

Although specialty items such as jewellery, artwork or watercraft are included in your personal property, additional coverage may be purchased for higher values.

Please connect with us to ensure that you have adequate coverage to protect you and your family.

Every claim is different. Your Service Specialist can answer this question if you are considering making a claim. Just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.

The personal liability portion of your home insurance policy protects you should you be found legally responsible for unintentionally causing injury to another person or loss or damage to their property - anywhere in the world.

If you own a seasonal dwelling such as a cottage or cabin, or a seasonal condominium, you will need to purchase a policy similar to buying insurance for your home.

Coverage offered on seasonal dwellings is usually more limited than that offered to primary residences. When calculating the coverage you need, you will want to include your personal property as well as outbuildings, fences and other structures.

Available coverage depends on whether you use it year round or seasonally.

Please connect with us to ensure that you have adequate coverage to protect you and your family.

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.

Personal liability insurance is usually the portion of your home insurance policy that protects you should you be found legally responsible for unintentionally causing injury to another person or loss or damage to their property - anywhere in the world.