Do I need to notify my insurance broker if my home will be vacant or under renovation?
Yes. You will need to notify us if your home will be vacant for more than 30 days, or if you are doing any extensive renovations.
Is it possible to get coverage for my jewelry or art collection through my home insurance?
Yes. Most policies contain limitations (called property sublimits) on these items, however, if you are able to provide us with an appraisal, special items can be scheduled onto the policy for an additional premium.
If some of my personal items get stolen from my vehicle, can I claim that under my home insurance?
Yes. Most policies have a limitation for theft from a vehicle. This limit is often $1,500 but can be as low as $1,000. It is best not to leave contents in your vehicle.
Does my home insurance policy cover water damage?
Yes. Water Damage is covered under your home insurance policy. However, continuous or repeated seepage or leakage is not covered. Rot and mold damage are not covered. Flood damage from rising water is also excluded.
If I go away on vacation and my pipes freeze and cause damage, is this covered?
Yes. Freezing is excluded if you have been away from your premises for more than four days during the heating season, unless you have had a competent person enter your home daily to ensure that the heating is being maintained or you have shut off the water supply and drained all the pipes.
Is Damage to my house caused by falling trees covered if they are blown down in a windstorm?
Yes. The resulting damage is covered if the tree was a live tree. However, the insurer will not pay for removal of the tree or any leftover debris.
Are there any limitations on certain types of personal property?
Yes. Most policies contain limitations (called property sublimits) on items such as Jewelry, Furs Silver/Gold, Computers, Fine Arts, Sports Collectibles, Bicycles, Business/Student Property, Money & Securities, however, if you are able to provide us with an appraisal, certain items can be scheduled onto the policy for an additional premium.