Homeowners’ Comprehensive Policy
Simply the best product available to cover your home, outbuildings
and contents. This policy covers loss or damage to both buildings
and their contents from all perils except those that are
specifically excluded within the policy. With this policy you also
obtain insurance coverage should you incur alternative living
expenses in the event that an insured peril results in you being
unable to live in your home while it is being repaired. Also
included with this coverage is personal legal liability up to
$1,000,000 with the option of purchasing additional coverage up to
Homeowners’ Broad Policy
This policy is identical to our Comprehensive Policy with the sole
exception being that personal contents are covered against named or
specified perils as opposed to all risks. The named perils include
such risks as fire, smoke, water damage, wind damage, theft,
vandalism, power surges, etc.. Just like the Comprehensive Policy,
additional living expenses and personal legal liability is also
included with this policy form.
Homeowners’ Standard Policy
This Policy is similar to both the Comprehensive and Broad Policies
except that buildings and contents are both covered against named or
specified perils as opposed to all risks. Unlike the other policies,
this policy does not provide inclusive coverage for outbuildings or
additional living expenses. This type of policy coverage is
available to primary dwellings, outbuildings of all sorts as well as
seasonal and rental buildings.
Homeowners’ Fire Policy
The simplest and most affordable policy for nearly every type of
building and contents, the Fire-only policy covers loss or damage to
buildings and/or contents caused by fire.
This policy covers loss or damage to tenant’s contents up to a
maximum of $50,000 as well as coverage for additional living
expenses should an insured peril require you to temporarily live in
alternative premises while your rental dwelling is being repaired.
Also covered is your personal legal liability up to $1,000,000.
|Detached private structures
|| All risk