Flexible coverage options that can be tailored to meet your needs. We can assist with explaining the coverages and letting you decide on a policy that is right for you.
Homeowner
For many of us, our home is our most valuable asset. Therefore, it is very important to understand the coverages in a homeowner’s policy.
With the basic coverages, you would want to make sure that you have adequate coverage limits to cover your losses. With today’s high cost of construction, it is important to ensure you are properly covered in the event of a total loss.
Optional coverages provide extra protection beyond the basic coverages. A clear understanding of these coverages will help to ensure you have the most complete policy available for your home.
Basic Coverages
- Dwelling – protects the physical structure of your home against covered risks like fire, wind, hail, or vandalism.
- Personal Property – covers furniture, electronics, appliances, and valuables if they’re stolen or damaged.
- Additional Living Expenses – covers hotel bills, meals, and other expenses if you’re forced to leave your home temporarily due to damage.
- Liability Coverage
Optional Coverages
- Earthquake
- Flood
- Overland
- Water Service Line
Strata Duplex
Basic Coverages
- Dwelling – protects the physical structure of your home against covered risks like fire, wind, hail, or vandalism.
- Additional Living Expenses – covers hotel bills, meals, and other expenses if you’re forced to leave your home temporarily due to damage.
- Commercial General Liability
Optional Coverages
- Sewer Backup
- Earthquake
- Flood
- Equipment Breakdown
- Crime
Condo / Townhouse
Living in a strata building entails a couple of unique coverages. As the owner of a unit, you can have a condo policy in place with a few basic coverages. The optional coverage for consideration is earthquake. However, there is more. A review of the Strata Corporation insurance policy must be examined for the water damage deductible and Strata’s earthquake deductible. As part of purchasing this policy we will review and assist to explain these two coverages and help to make sure you have properly covered.
Basic Coverages
- Personal Property – covers furniture, electronics, appliances, and valuables if they’re stolen or damaged.
- Additional Living Expenses – covers hotel bills, meals, and other expenses if you’re forced to leave your home temporarily due to damage.
- Liability Coverage
Optional Coverages
- Earthquake