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Coverage Just For You |
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What types of policies are available? |
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• Homeowners
• Condominium Unit Owners
• Tenants
• Mobile Home Owners
• Other Residential Property |
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Unlimited Protection |
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Is there a set amount that I will be covered
for? |
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With a
HomeCover policy, you can be assured your
property and valuables will be replaced.
HomeCover provides unlimited replacement
protection for most homes and personal
property. It also includes $1,000,000
comprehensive personal liability coverage,
with higher limits available. |
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Personalized Claims Service |
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How will I be treated when I make a claim? |
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Our claims department
is dedicated to offering fair, timely, and
compassionate claims service that is
unsurpassed in the industry. You can rest
assured that our staff will handle your
claim professionally to ensure that your
claim is settled to your satisfaction as
fast as possible with minimal disruption. |
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Discounts & Deductibles |
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What kinds of discounts are there? |
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Every home is unique.
If you take extra care in day-to-day
activities and you engage in preventative
measures to protect your home, we reward you
by discounting your premium. Here are a few
of the features and characteristics we look
for when applying discounts: |
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• Claims Free
• Mortgage Free
• Mature Owners
• New Homes
• Alarm Systems
• Block Watch
• Higher Deductibles |
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Better
Coverage |
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What's covered in a HomeCover Policy? |
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HomeCover Highlights |
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Included |
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• Lock
Replacement
• 30 Day Vacancy
• Household Pets
• Waterbed
• Food Freezer
• Credit Cards
• Student Property
• Evacuation |
• Fire
Department Charges
• Rental Income
• Contingent Assessment
• Bylaws ($10,000)
• Improvements & Betterments
• Sewer Back Up/Water Escape
• Accidental Death by Fire
• Business Property ($5,000) |
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Optional |
• Earthquake
• Extended Bylaws
• Hobby Farm
• Day Care
• Golf Carts
• Watercraft
• Bed & Breakfast
• Extended Business Property
• Home Based Business Cover |
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Special
Property with Simplicity |
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Can I tailor my policy to fit my needs? |
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Although
residential policies contain some standard
limitations on special property, our policy
allows you to increase these limits to fit
your needs. Special property includes: |
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• Jewellery
• Furs
• Silverware
• Fine Arts
• Sports Collectibles
• Student Property |
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Premium Options |
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Premium Options Payment
Plan - Choose the payment plan that fits
your needs. In addition to the traditional
annual pre-payment, you can choose to make
monthly or semi-monthly payments to suit
your finances. |
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