Homeowner

All Risk Protection, also known as a Comprehensive Form, provides the widest range of coverage available. With All Risk Protection, you’ll be covered for everything that could happen to your home, unless it is specifically excluded from your policy.

Just like All Risk Protection on your Home, your outbuildings such as a garage, shed, or sauna will be covered for damage due to any risk as long as it is not specifically excluded from your policy. Limits vary per company, so if you have a large garage or outbuilding, contact us to ensure you have enough coverage.

In the event of a covered claim, you will receive the replacement value of your contents with no depreciation applied. Just like All Risk Protection on your property, you'll be covered for damage due to any event as long as it is not specifically excluded form your policy.

Single Limit Protection provides insurance for your dwelling, outbuildings, contents, and additional living expenses, giving you the option to spread your coverage where you need it most.

In the event that something happens to your home 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.

Knowing how much liability you need can be difficult to predict. To be safe, we recommend higher limits in order to keep yourself protected and account for unpredictable situations. 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.

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.

This coverage will cover reasonable medical expenses if someone is accidentally injured on your property, even though you are not legally liable for damages.

Guaranteed Replacement Coverage means that if your home is destroyed by an insured peril, your insurance company will guarantee that it is rebuilt, even if it costs more than the limit stated on the policy.

Water is one of the most persistent risks, and always will try and find its way into your home. Contact us to learn more about how to protect your possessions from different types of water damage. We will review all options for you, from basic to best.

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.

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.