Why should I use a preferred supplier or repair facility?
You can always use your own supplier, but if you use a supplier from our list of preferred suppliers and repair facilities, you may only need one estimate for home claims, depending on the amount of damage or value of items.
Does my policy cover me for sewer backups?
This is an optional cover that is available in most areas subject to eligibility.
How do I make a claim because of a storm?
Just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.
Do I need home insurance on a house that is under construction?
You may, depending on your agreement with your builder and when your financial interest in the home is triggered. You'll want to insure building materials too. Even though the home may not be finished or lived in, loss and damage is still a possibility.*
We recommend you speak to your Specialist to determine whether the criteria meet our guidelines.
*Not available in Quebec.
Is my deck covered by my home insurance?
Yes, decks which are attached to your home are considered part of your dwelling.
Decks that are not attached are considered additional buildings, which are also covered if they are on your property.
How do I make a claim after a flood?
Just 1.833.223.8743. Our claims service is available 24/7 every day of the year.
What do coverages for Voluntary Medical and Property Damage include?
Voluntary Medical Payments coverage pays reasonable medical expenses in the year after an accident when you unintentionally injure another person or if they are accidentally injured on your property - even though you are not legally liable.
Voluntary Property Damage Payments coverage covers unintentional direct loss or damage you cause to somebody's property - even though you are not legally liable. It can also cover loss or damage to someone else's property caused intentionally by a minor child (12 years of age or under) in your care.
You don't have to be legally liable to use either of these coverage options, and there is no deductible.