Cards

Bylaw Coverages

Covers bringing your home up to code after an insured loss. More and more, this is being included in basic home insurance coverage.

Fair Rental Value

If you rent your home or rent out
a room in your home, you’re
eligible for lost income coverage
in the event of an insured loss or
an evacuation.

Glass Repair & Replacement

Repairs or replacement to glass doors and windows. Often included in basic coverage.

Overland Water Coverage

This covers “overland” water damage, such as a flood. Generally, this is the overflow of any fresh body of water or due to rapid accumulation of rain or snowmelt.

Collector Coverage

If you have a special collection like coins or comic books, this coverage will ensure it’s protected.

Vacant Home Coverage

If you’re leaving your home vacant for some time, you’ll need this home insurance coverage.

Storage Coverage

If you have items in storage, this add-on will extend your home insurance coverage to insure those items.

Service Line Repair or Replacement

This can include sewer and water lines, internet and power cables, as well as irrigation. This coverage will help you cover those expenses.

Personal Floaters Coverage

For high-value belongings, such as bicycles, jewellery, artwork and more.

Sewer Backup Coverage

This can cover the cost of having to repair your home from water being pushed into your house through your drainage system or pipes from the sewer.

Identity Theft Coverage

For if you are the victim of identity theft, this protection policy can reimburse you for any costs involved in reclaiming financial identity and repairing credit reports.