Your personal items are covered in the event of a loss, including theft, fire, a flood, etc. If you have expensive jewelry, you may want to carry a special content limit policy to account for the extra cost of your belongings.
Coverage for the physical structure of your home, including the roof, sidings, and more. It also covers structures that are attached to your home, such as a garage.
This coverage protects you if a visitor to your home is injured. This protection helps you pay for lawyer fees if you’re sued.
- Additional Living Expenses
After a loss, you may have to relocate to live in a hotel or a rental unit. This protection covers you for all living expenses, including food, accommodation, and travel – depending on your insurance policy details.
Detached structures that are covered may include sheds or other structures that are on your property but not attached to your home. Check with our insurer for the details of this coverage.
The events listed below are uninsured perils, meaning your insurer won’t pay for them unless you purchase them separately as add-ons. Some of the best insurance companies in Toronto include these coverages in a standard comprehensive home insurance package. Read through your insurance policy carefully and clarify any terms with your insurer as they may differ depending on your insurer.