Help & Support - Home Insurance

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

Although specialty items (such as jewelry, 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.

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. 

Private structures are also known as additional buildings. They are sheds, detached garages, gazebos, etc. that are located on your property.

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.

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.

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.

We can help with that. Just call 1.833.223.8740.

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.