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Your coverages should be comprehensive and correlate to where you have risk. Let us remove your uncertainty – our expertise will provide you the best recommendation for your protection.
All Risk Protection on your Personal Property Replacement Cost Basis
In the event of a covered claim, you will receive the replacement value of your contents with no depreciation applied.
All Risk Protection - Minimum 20% of your Personal Property Limit
In the event that something happens to your condo and you are unable to live in it while repairs are being completed, this coverage will pay for additional living costs such as a hotel or other accommodations until you are able to move back in.
$2,000,000 Limit or More
Life is unpredictable and complex, so how much liability you need is tough to predict. We recommend higher limits of liability in order to keep yourself protected and account for this uncertainty. We also recommend an Umbrella Policy for even more protection.
To learn more about the benefits of an Umbrella Policy and what they cover, click the learn more button.
Minimum Limit of $1,000
This coverage will cover unintentional damage that you (or a minor in your care) cause to someone else’s property, even though you are not legally liable for the damages.
Minimum Limit of $5,000
This coverage will cover reasonable medical expenses if someone is accidentally injured on your property, even though you are not legally liable for damages.
Unit Improvements & Betterments - Included
This coverage automatically covers any improvements or renovations you make to your unit. If you’re making major changes, you may want to check with us to ensure you’re still covered up to the proper limit. Refer to your policy for the applicable limits.
Unit Additional & Loss Assessment Protection - Included
If a common area of your condo is involved in a claim, and the condo corporation’s policy does not have enough protection to cover the cost of repairs, you may receive a bill to chip in for part of the repairs. With this coverage in place, your insurance policy will respond and pay your portion of the loss, rather than having to pay out of your own pocket. Refer to your policy for the applicable limits.
Unit Contingency Protection - Included
Coverage for your original unit itself—the walls, originally installed floors, plumbing, fixtures, etc. should be protected by your condominium corporation's own property insurance policy. But, in cases where your condominium corporation has no insurance on your unit, the insurance is not sufficient, or the insurance does not cover the peril that has occurred, your policy through us also includes unit contingency coverage. Refer to your policy for the applicable limits.
Protection for Sewer Backup, Sump Pump Failure, Overland Water, or Water Service Lines
Water is one of the most persistent threats, and will always try and find its way into your condominium. Contact us to learn more about how to protect your possessions from different types of water damage. We will review the best options for you, from basic to best.
Claims Free Endorsement - Maintained in the Event of a Loss
This endorsement protects your claims-free discount following your first property loss, provided there has been continuous insurance for the past three years with no claims.
Identity Theft Coverage - Minimum Limit of $25,000
Your identity is a valuable asset, and identity theft is a growing risk for Canadians. Identity Theft Coverage will cover the costs associated with restoring your identity, including costs of legal documentation, legal fees, and other expenses needed to ensure your identity remains yours.
Many options available
If you have jewelry, paintings, bicycles, or other valuable items that mean a lot to you both financially and personally, you should consider scheduling these items on your policy. For a minimal cost, we can make sure that in the event one of these items is damaged or stolen, you can receive the proper appraised value.
Many options available
Depending on what type of boat you have, you may be able to add it onto your property policy. Not only will this provide insurance for the boat itself, but will also extend liability in case of an accident while boating. Contact us to see if your watercraft can be added to your property policy, or if a standalone boat policy is required.
Enhanced Discounts Available by Company
One of the easiest ways to save money on your insurance is to insure your home and your vehicles with the same company. Not only does this earn you a discount, but many of our providers also add increased protection and other perks when you combine your policies. Plus, with the same renewal date, all of your insurance needs can be reviewed at the same time each year!
We will work out the solution that provides the best in both Protection and Pricing
Insurance companies use many variables to create your specific insurance premium. Two examples that can earn you a discount are being mortgage-free or smoke-free. Contact us today to see if you’re missing out on any discounts!