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Thursday September 09, 2010

HOME INSURANCE PROGRAM

INSURANCE ON YOUR HOUSE
  • Comprehensive or Named perils options
  • Swimming pools and fixed outdoor equipment
  • Trees, plants and patios
  • Includes removal of debris for an insured loss
  • Optional guaranteed replacement cost
  • Separate coverage for detached garages and sheds

HOME CONTENTS & PERSONAL PROPERTY
  • Comprehensive or Limited perils options. Replacement cost coverage
  • Extensions for property while away from your home and for students' contents
  • Includes property of family members living in your home
  • Specialty coverage available for jewelry, fine arts, collectibles, tools, musical instruments, electronic equipment and watercraft

OTHER FEATURES
  • Protection against fraud for your credit/debit cards and cheques
  • Coverage on the contents of your freezer if it breaks down
  • Clean up coverage if gas, oil or other pollutant is accidently spilled on your property
  • Inflation protection
  • Lock replacement
  • Fire Department charges

ADDITIONAL LIVING EXPENSE
  • If your home is damaged because of an insured loss, we will cover the extra cost of living away from your home while your house is being repaired

LIABILITY
  • We will defend you and pay for losses you are legally liable for if someone sues you because you injured them or damaged their property
  • Many optional extensions available

HIGHLIGHTS ONLY. Actual policy wording govern.
Coverage Availability subject to underwriting eligibility.

Water Problems
Water problems may occur at any time due to melting snow, heavy rainfall, sump pump malfunction or sewer back-up. Check roof shingles to ensure they are in good repair. Ensure your sump pump is functioning - have a back up system or alarm if you experience water problems on a regular basis. .....Full Story
Oil Tanks & Fuel Spills
This area is becoming a huge problem as the required environmental clean up is costly and is also disruptive to the homeowner. Check your oil tank & lines regularly for any possible leak or problem. If you detect an oil odour call your distributor immediately. If you have a spill, our adjuster .....Full Story
Fire
This is a common loss and may also lead to death. Ensure that smoke detectors are in proper working order. Have extinguishers in place in buildings and on equipment. Electricity must be respected. Have electrical wiring work completed by a certified electrician. Ensure that electrical .....Full Story