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HOME INSURANCE

For most people, their home is the single largest investment they will ever make. Understandably, making sure it is insured properly is always a concern. At B&W Insurance, your peace of mind is our priority. That's why we represent six of the largest insurers in Canada. With over 25 years experience, our knowledgeable staff is committed to providing you with the home insurance package that best fits your individual needs.

SOME IMPORTANT FACTS ABOUT HOME INSURANCE

• Replacement of Your Home
Your home will be insured to today's replacement value based on a list calculator approved by your insurer. With construction values ever-increasing, it is important to know that your home will be replaced back to its original standard.

• Contents of your Home
The content portion of your Home insurance policy is also based on replacement cost. The replacement cost coverage ensures that your contents will be replaced "new" for "old," without a deduction for depreciation. Your Contents insurance can also be extended to cover items such as jewelry, fine art, furs, sporting goods, etc. For a more detailed explanation, please contact any one of our customer service representatives.

• Personal Liability
Homeowners' policies contain a limit for personal liability. The limit can range from one million dollars up to five million dollars. Personal liability coverage is there to protect your assets in the event of litigation.

• Earthquake
Most homeowners' policies do not automatically cover earthquake damage so it is important to know that it can be added at an additional premium. One of our customer service representatives can help to explain earthquake insurance in more detail.

• Sewer Back-up Claims
The backing up or escape of water from your sewer, sump or septic tank is not  insured under most home policies. For a very small additional premium you can purchase the "Sewer Back Up" extension to cover this policy exclusion. This extension does have conditions, so we recommend you speak with our home insurance professionals for further details.    

• 24 Hour Claims Service
Should you experience a claim with any one of our insurers, you can be assured that it will be reported immediately to your insurer. If emergency work is required, we have a 24-hour emergency response team on call for your convenience. The quicker your claim is handled, the quicker you get your life back in order. Ultimately, that is our goal.

For further information please contact any one of our
5 convenient locations and speak with one of our home insurance specialists.