Home insurance

House insurance

Policy features

Coachman house insurance provides you with the following features at no additional cost.

With a Coachman Homeowners policy you are also protected against:

• Losses involving credit or debit cards, cheque forgery and counterfeit money.
• Expenses associated with debris removal following an insured loss.
• Damage to your property from emergency entry by police officers, paramedics or firefighters.
• Additional living expenses and lost rental income following an insured loss.
• Identity theft.
• Inflation protection.
• Mass evacuation expenses.
• Lock replacement following an insured loss.
• Loss or damage to outdoor trees, shrubs, plants and lawns.
• Loss or damage to belongings of guests or household employees following an insured loss.
• Loss or damage to your belongings due to temperature change.
• Fire department charges.

Personal liability coverage

This coverage protects you if you're found legally responsible for bodily injury to someone else, or for damage to their property.

Our home insurance includes a basic $1 million limit for personal liability coverage that includes:

• Court costs, legal fees and certain other expenses associated with your defense in the event of a liability law suit.
• Voluntary medical payments and voluntary property damage payments, even if you are not legally liable.
• If you are found responsible for property damage to the premises or property contained therein that you rent or use, we will pay to compensate the owner of that property for the loss (coverage restrictions apply).

Replacement cost coverage

This coverage protects your home, outbuildings and belongings for what they cost at today’s prices, not depreciated values (some limitations may apply).