Your home is your castle and deserves the best protection – we’re not talking moats, you need Homeowner Insurance.
There are five main coverages included in a Homeowner Policy:
- Building – Your Home
- Contents – Your belongings both in the home and away from your home
- Additional Buildings – structures not connected to your home such as a shed or detached garage
- Additional Living Expenses – extra costs above your normal living expenses that you incur because your home is unfit to live in after an insured loss
- Liability – bodily injury and/or property damage you accidentally cause to someone not living in your home
Many other optional coverages can be purchased on your Homeowner policy both to add or increase coverage limits on specific items like Jewellery, Antiques, Art, Business Property, Electronics, Musical Instruments and Garden Tractors. You may also want to add coverage for specific types of losses not already included such as Water Damage or Sewer Back up, Woodstove, By-Laws, Identity Theft and Earthquake.
Each Homeowners policy also offers a variety of discounts such as Mortgage free, Mature, No Claims, Loyalty, Multi Policy, Age of Home, and Increased Deductible.
A Broker can help you construct the perfect Homeowners policy with all the right coverage and discounts to guard your castle from an unforeseen loss.