Personal Property
Home, condo, and tenant insurance that’s right for you
Your home is your sanctuary and you want to make sure that your property and possessions are protected. Whether you own your home or condominium, or you’re a renter, we can provide you with an insurance policy that suits your situation.
Why you should choose our brokerage for your personal property insurance needs
Home insurance
- Covers loss or damage to the home and other structures such as a shed or detached garage
- Covers the contents of the home such as clothes, furniture and appliances
Condo insurance
- Covers loss or damage to contents of the condo such as clothes, furniture and appliances, as well as upgrades made to the unit such as cabinets and flooring
- Covers loss assessment in the event of a claim by the condo corporation, which is your portion of the deductible
Tenant insurance
- Covers loss or damage to contents such as clothes and furniture
All home, condo and tenant insurance policies include the following coverages
- Additional living expenses if you need to leave the home such as in the case of a mandatory evacuation order
- Personal liability to cover your legal costs if you accidentally hurt someone or damage their property anywhere in the world.
Optional coverages for more protection
Water
Covers loss or damage caused by sewer back-up or overland water.
Identity theft
Covers legal expenses you incur to restore your identity after an identity theft.
Umbrella liability
An additional layer of liability coverage that goes beyond the coverage amount of your primary home, auto, or other personal insurance policies. It provides extra protection for you and your assets in case of significant claims or lawsuits arising from personal injuries or property damage.
Key Coverage
Common Claims
Additional Living Expenses
A wildfire destroyed your home and a mandatory evacuation order was issued. You may have coverage for your expenses such as accommodation and meals.
Loss assessment
You own a condo and the condominium corporation made a claim for damages to the common are caused by a fire. The deductible for this claim is paid by the corporation and charged an assessment to unit owners of $5,000 each. This coverage will pay this amount.
Contents
Your bathroom sink overflowed and caused damage to your furniture and appliances. Your home insurance policy covers the cost to repair or replace these items.
Liability
You’re renting a townhouse and had some items delivered to your doorstep. The delivery person slipped and fell and is suing you for injuries. Your tenants insurance policy covers your legal expenses.
Contact us today to learn more about our insurance coverage for homes, condos and tenants, and to get a free quote. We are committed to providing you with the best possible coverage at an affordable price.
The content on this page is for information only. The insurance products described are subject to terms, conditions, limitations and exclusions that are outlined in the policy wording. Please refer to the policy wording for complete details.