Homeowners insurance

Coverage for the physical structure of your home.

Coverage for the physical structure of buildings on your property that are separate from your house (detached garage, shed, gazebo).

Available by endorsement, helps cover the costs related to identity restoration if you are a victim of identity theft.

Coverage for your belongings both inside your home and, up to a certain limit, also when they are stolen or damaged outside of the property, anywhere in the world.

Coverage against lawsuits for bodily injury or property damage that you or a family member are liable for. Some policies include damage done by your pets.

Coverage for additional costs incurred due to required upgrades to wiring or ventilation to make them conform to current regulations when your home is repaired or replaced after a covered loss.

Coverage for the cost of medical expenses for someone injured on your property, without a liability claim being filed against you.

Coverage for the additional cost of living away from home if your home is being rebuilt or repaired after a covered loss. Some of the expenses covered include temporary accommodation (hotel, rental), restaurant meals, storage costs and pet boarding.

Usually not included in a standard policy, this additional coverage helps protect you against water damage caused by your sewer backing up or your sump pump breaking.