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 endorsements mentioned below are uninsured perils. Meaning, you need to buy them as add-ons under your home insurance policy. Endorsements are often included in a comprehensive home insurance plan. Ask your insurer about any terms that you don’t fully understand as they may be different from one provider to the next.