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Every home is unique. You need options to tailor a home insurance policy that’s right for your needs. More options. Better fit. Talk to your broker today.

What's Covered

Home insurance coverage is designed to protect your home, your property, your belongings, and you. A standard home insurance policy provides coverage for:

This is the physical structure of your house, including its foundation, walls, roof, attached garages, and other structures permanently affixed to your home. It covers damage caused by a range of insured events, such as fire, windstorms, vandalism, theft, smoke, and sudden damage from electrical incidents.

Coverage for structures on your property that are not physically attached to your home. This typically includes items like sheds, standalone garages, boathouses, or even swimming pools.

Protects your personal belongings both inside your home and in the structures on your property. This includes items such as electronics, clothing, furniture, appliances, kitchenware, and other movable possessions. If these items are damaged, stolen, or destroyed due to a covered event, this coverage helps with the cost of repair or replacement.

Financial protection in situations where you or a member of your household are found legally responsible for accidental bodily injury to another person or damage to their property. For example, if a visitor is injured on your property, or if you accidentally cause damage to a neighbour's fence, this coverage can help with medical expenses, legal fees, repair costs, and potential settlement awards.

If your home becomes uninhabitable due to a covered loss, this coverage helps cover the reasonable increase in living expenses you incur, such as hotel or rental home charges, restaurant meals, and other necessary costs you wouldn't normally face while living in your home.

Optional Coverage

Standard insurance policies cover the most common risks. Optional insurance endorsements can enhance your coverage, depending on your specific needs.

Earthquake endorsement

Most standard home insurance policies exclude damage caused by earthquakes. Earthquake endorsement provides crucial coverage for your home's structure, your outbuildings (like your detached garage or garden shed), and your personal belongings in the event of an earthquake, protecting you from potentially catastrophic losses.

Sewer back-up endorsement

Sewer backup coverage often isn’t included in standard home policies, but it can be added as an endorsement. This coverage protects you from loss or damage to your property caused by water from a sewer, drain, sump pump, or septic system, which can cause significant and costly damage.

Increased special limits

While your standard personal property coverage is comprehensive, there are usually specific limits for high-value items such as fine art, expensive jewellery, valuable collectibles, or costly sports equipment. This endorsement allows you to increase the coverage limits for these specialty belongings, ensuring their full replacement cost is covered if they are lost or damaged in an insured event.

Overland water endorsement

Coverage for water sources from outside the home, such as excessive rain, overflowing rivers, spring run-off, or melting snow, is often not covered in a standard policy. Overland water coverage protects your home and belongings from damage caused by these specific water events, adding an important layer of protection against flood-related losses.

Green endorsement

Covers repairs up to $10,000 using environmentally friendly products of your choice after an insured loss.

Bylaw coverage

Covers additional demo, construction, or repair costs necessary to comply with current bylaw standards after your home has been damaged in an insured event.

Economical offers a range of policy options for your unique needs and budget.
Talk to a broker about your options.