Whether you rent or own the home you live in, everyone requires a home insurance policy. A home insurance policy protects your family from a variety of risks.

From devastating fires to third party claims of property damage or bodily injury your home insurance is essential in protecting you and your family.

Property/building – coverage for the replacement cost of the building or structure. This limit/coverage includes costs associated with rebuilding, debris removal, etc.

Detached structures – Coverage for the replacement cost of any detached structures such as shed, detached garage, gazebo, pool house, etc.

Additional living expenses – Coverage for the cost of any reasonable additional expenses incurred because of an insured loss. For example hotel or temporary accommodations (Airbnb, rental property), food costs, or other costs you normally would not face if you were living in your home.

Contents – Coverage for the replacement cost of your contents such as furniture, appliances, and clothes.

Liability – coverage for third party liability for property damage and/or bodily injury that you are found liable for. This covers legal expenses, medical bills, etc.

Condo unit owner coverages

• Betterments and Improvements – Coverage for any additions, alterations, and improvements made or acquired on the unit.
• Loss assessment – Coverage for your share of any special assessment levied by the condo corporation.
• Condo unit owner’s contingent insurance – Coverage if the condo corporation’s insurance is not existent, inadequate or does not respond because of an exclusion or condition.

Additional optional coverage:

• Sewer backup
• Flood
• Jewelry, fine art, collectables