Help & Support - Home Insurance

This is an optional cover that is available in most areas subject to eligibility.

Yes, decks which are attached to your home are considered part of your dwelling.

Decks that are not attached are considered additional buildings, which are also covered if they are on your property.

Voluntary Medical Payments coverage pays reasonable medical expenses in the year after an accident when you unintentionally injure another person or if they are accidentally injured on your property - even though you are not legally liable.

Voluntary Property Damage Payments coverage covers unintentional direct loss or damage you cause to somebody's property - even though you are not legally liable. It can also cover loss or damage to someone else's property caused intentionally by a minor child (12 years of age or under) in your care.

You don't have to be legally liable to use either of these coverage options, and there is no deductible.

Your homeowner's policy will cover the personal contents in your home (subject to limits) which can include your furniture and appliances, clothing, electronics, cameras, etc.

Although specialty items such as jewellery, artwork or watercraft are included in your personal property, additional coverage may be purchased for higher values.

Please connect with us to ensure that you have adequate coverage to protect you and your family.

Your home insurance in most provinces*, will provide coverage for claims other than damage to the watercraft (or other recreational off-road vehicle) if:

• You have consent to use the watercraft or vehicle
• You are not racing
• You are not using the watercraft or vehicle for business
• The watercraft or vehicle is not subject to registration

*Coverage varies in Quebec. Please contact us at 1.833.223.8740 if you have questions about services offered in Quebec. 

It covers losses arising from ownership or non-business use of:

• Trailer or its equipment provided that such trailer is not attached to, carried on or being towed by a motorized vehicle
• Quebec only:  Trailer or its equipment provided that such trailer is not attached to or carried on a motorized vehicle.
• Small boats (25 hp outboard, 50hp)
• Sailboats up to 26'
• Golf carts on a golf course
• Self-propelled lawnmowers, snowblowers, garden-type tractors (25hp max) used mainly on your own property
• Quebec only:  Self-propelled lawnmowers, snowblowers, garden-type tractors (30hp max) used or operated on the premises and, provided they are not used for compensation or hire, occasionally off the premises.
• Motorized wheelchairs, including motorized scooters having more than two wheels and specifically designed for disabled persons

Your insurance should at least cover:

• The cost to rebuild your home (often different from its market value - Guaranteed Replacement Cost coverage is available to protect you if the cost to rebuild is underestimated)
• The cost to replace your personal property
• Protection against liability claims

Need help?

Your Specialist can help you estimate how much coverage you need. They will also help you decide on the type of coverage you need and the deductible (your portion of an insured loss).

If your property has a woodstove, or you’re thinking about installing one, there are a few things that need to be taken into consideration. For starters, you’ll need to provide the following information:

• Whether or not the stove was (or will be) professionally installed
• The type of fuel it burns—logs or pellets
• The amount of fuel you burn in a season
• Whether or not the stove is certified by a recognized Canadian certification agency.

If you have any specific questions about woodstoves and home insurance, your Specialist will be happy to answer them.