Here’s your Homeowners Insurance Policy

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Welcome to insurance like never before

Insurance made easy.

We want to make sure having insurance is as easy as getting it. That means making sure you know exactly what’s covered and being there for you whenever you need to make a claim or have a question.

Coverage you can understand.

It also means writing your policy in the simplest way possible. However, our lawyers insisted on some words you might not hear every day, so we’ve added some short definitions to help.

We’re ready to help.

Have questions? You can find answers on our website. And our customer support team is available: Monday to Friday 8 am – 8 pm Eastern Time and Saturday from 9 am – 5 pm Eastern Time. If you live in Quebec it’s Monday to Saturday 9 am – 5 pm Eastern Time.

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Homeowners Insurance Policy

A brief guide to your coverage

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Your Coverage

Events covered by your policy

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Events NOT covered by your policy

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What your property coverage includes

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What your liability coverage includes

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Items with specific dollar limits

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Specific conditions of your coverage

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Your coverage overview What your policy covers

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Events covered by your policy include:

This overview is only a brief guide to your policy coverage. In the event of a loss the detailed limitations, exclusions, and conditions of your policy will apply.

Accidental water escape from a plumbing system, appliance or swimming pool

Smoke from a cooking appliance

Frozen pipe rupture in the heated portion of your house

Wind or windstorm damages your house

Water enters the house through the roof when an opening is created by wind

Theft or vandalism caused by a stranger

A fire causes damage to your property (including fire following an earthquake)

Your child breaks the neighbours’ window playing baseball

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Your coverage overview What your policy covers

Events NOT covered by your policy include...

At a glance, here are the events your policy DOESN’T cover.

This overview is only a brief guide to your policy coverage. In the event of a loss the detailed limitations, exclusions, and conditions of your policy will apply.

Damages caused by the repeated leakage or seepage of water

Damage caused by skunks, raccoons, birds, vermin, rodents, bats, and insects

Accidental breakage of fragile belongings including but not limited to glassware, chinaware, collectables and fine arts

Damage caused by deterioration or lack of maintenance

Freezing of pools and hot tubs in an unheated portion of your house

Bodily injury to any person living in your household

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Intentional acts commited by you including arson

Damage caused by wear & tear, defect, breakdown or faulty workmanship

Your coverage overview What your policy covers

Your property coverage includes...

Here’s a summary of your policy’s coverage for your property.

This overview is only a brief guide to your policy coverage. In the event of a loss the detailed limitations, exclusions, and conditions of your policy will apply.

The house on your insured premises

Personal belongings of a student living away at school

Garages and garden sheds on your premises

Personal belongings of a dependent in a long term care facility

Personal belongings of your house

Extra expenses after a loss

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Personal belongings in storage

Your coverage overview What your policy covers

Your liability coverage includes...

Now for a quick overview of your policy’s liability coverage, or in other words, your protection against lawsuits.

This overview is only a brief guide to your policy coverage. In the event of a loss the detailed limitations, exclusions, and conditions of your policy will apply.

Liability arising out of the ownership or personal use of premises insured by this policy

Liability for injury or damages you cause to others while acting as a volunteer

Liability for your negligent actions causing bodily injury or property damage – worldwide

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No-fault payments for accidental damage & injury

Liability arising out of your ownership of a pet or use of a watercraft

Lawyer fees associated with the above

Your coverage overview What your policy covers

Items with specific dollar limits:

Here are items that have defined dollar limits if they need to be replaced.

This overview is only a brief guide to your policy coverage. In the event of a loss the detailed limitations, exclusions, and conditions of your policy will apply.

• Bicycles

• Golf carts

• Watercraft

• Jewellery, Watches & Furs

• Collectables

• Silverware

• Belongings in a safetydeposit box

• Computer software

• Business property

• Trees, plants, shrubs or lawns

• Currency

• Securities

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Your coverage overview What your policy covers

Specific conditions of your coverage

Here’s a brief summary of your policy’s specific terms and requirements.

This overview is only a brief guide to your policy coverage. In the event of a loss the detailed limitations, exclusions, and conditions of your policy will apply.

Freezing

If you are away from your house for more than 14 consecutive days, in order for coverage to apply due to freezing, you must:

- Have a person to enter the dwelling periodically toensure that heating is being maintained, or

- Shut off the water supply and drain all pipes andappliances, or

- Have your heating system connected to an alarmservice which is monitored at all times and is capable ofproviding a response.

Business use

Only the following incidental business uses of your house are permitted:

- As a personal office; or

- Rental of part of your house provided there are nomore than 2 roomers or boarders, or one additional unit within rented to not more than one household.

House under construction

There is no coverage while your house is under construction if loss or damage is caused by vandalism, malicious acts, glass breakage or water damage.

Vacant house

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There is no coverage under this policy when your house has, to your knowledge, been vacant for more than 30 consecutive days.

If your house has been vacant for less than 30 consecutive days or if the vacancy permit has been applied there is no coverage for loss arising from vandalism, malicious acts, glass breakage, or water damage.