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If a catastrophic loss were to occur, could you afford to replace the entire contents of your residence? When was the last time you checked your residential insurance policies? Are you adequately covered at today's replacement costs? Do you need extra insurance for your jewellery, sports equipment, collectibles, computers or cameras? Whether you own or rent your home, or live in a condo or apartment, we can provide the coverage you need. HomeownersThere are 3 main types of Homeowner insurance policies. Homeowners packages cover the building and its contents for "direct loss" or damage caused by insured perils. Personal liability insurance is usually included.
Basic/Named PerilsA Basic/Named Perils policy covers only those perils specifically listed in the policy, so your loss must fall under one of these listed perils to be covered.Broad FormThe Broad Form extends the coverage to all risks that are NOT specifically excluded for the dwelling, but provides named perils coverage on the contents.ComprehensiveA comprehensive policy covers both buildings and contents for all risks that are NOT specifically excluded.Tenants PackagesWe offer Tenant Packages that cover your personal belongings for full Replacement Cost. Your coverage or policy limit should be large enough to cover all your belongings, so it's a good idea to take an inventory of all your possessions. There are 2 types of Tenants Packages available.
Basic/Named PerilsA Basic/Named Perils policy covers only those perils specifically listed in the policy, so your loss must fall under one of these listed perils to be covered.ComprehensiveA comprehensive policy covers both buildings and contents for all risks that are NOT specifically excluded.Condominiums
Basic/Named PerilsA Basic/Named Perils policy covers only those perils specifically listed in the policy, so your loss must fall under one of these listed perils to be covered.ComprehensiveA comprehensive policy covers both buildings and contents for all risks that are NOT specifically excluded.Special Condo Extensions & Excess CoverageAs a Condominium Unit Owner, this package has been designed specifically to cover belongings in an owner occupied unit - the Strata Corporation insures the building under a separate policy. Building improvements that have been made to your unit are covered up to a certain limit under this policy. You can make arrangements to increase this limit as well as the automatic excess coverages provided in the Condominium Package, which are Loss Assessment and Contingent Coverage in the event the strata policy is insufficient. For complete details on the available packages and the coverage they provide, please contact our office at 604 922 8932 or toll-free at 1 877 603 1956.
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