Replacement of Your Home
Your home will be insured to today's replacement value based on a list calculator approved by your insurer. With ever-increasing construction values, 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 jewellery, 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.

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; 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. 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.

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