Home insurance

House insurance

Coverage options

The following options are available to enhance the coverages provided under our basic insurance packages. Some may involve an additional cost.

Earthquake coverage

Coverage is available at an additional premium for loss or damage to your insured property at your premises caused by an earthquake.

Glass breakage deductible

You can choose to reduce the deductible for glass breakage to $25, for an additional premium.

Guaranteed replacement cost

Qualifying for this option guarantees that we will repair or replace your home and outbuildings on their original site with materials of like kind and quality – even if the cost is more than the amount of your insurance coverage.

You may combine the limits you have for your belongings, additional living expenses and lost rental income for a combined amount of protection. You can choose what portion of this amount that you wish to allocate to each item to best meet your needs.

If you’re forced to re-mortgage due to your loss, the policy will cover any difference between your old and new interest rate for the term remaining on the old mortgage. You’re also covered for the extra expense of rebuilding to meet current building codes, as long as local laws allow you to rebuild at the same location.

Identity theft coverage

For an additional premium the base limits can be increased. For details, read our information on identity theft insurance.

Increased limits coverage

There are restricted limits for loss or damage to certain items such as computer software, jewelry, boats, etc. You can increase these limits for an additional premium. This option is automatically included in the Comprehensive "Classic" policy package.

Rental home coverage

This option allows you to add insurance coverage for up to 6 homes that you own and rent to others (limitations/restrictions may apply).

Seasonal home coverage

You can add coverage to your policy for your seasonal home and belongings.

Sewer backup coverage

You can purchase coverage for backup, accidental discharge or escape of sewage or water from a sewer, sump, septic tank or eavestrough connected to a sewer.

Special belongings coverage

You may require extra protection on special items such as jewelry, stamp and coin collections, fine art, boats and motors, etc.