Auto Insurance
Liability, collision and comprehensive cover for the cars on your driveway.
Read more →Personal Insurance
Homeowners Insurance
Structure, contents, liability and the cost of living elsewhere while repairs happen.
What this cover does
A homeowners policy is four policies in one: the building, what is inside it, your liability to visitors, and somewhere to live while the house is uninhabitable. The commonest and costliest mistake is insuring for market value instead of rebuild cost — those are different numbers and only one of them matters after a fire.
Typically included
- Dwelling — the structure itself, at rebuild cost
- Other structures — detached garage, fence, shed, pool house
- Personal property — contents, on or off the premises
- Loss of use — hotel, rent and extra living costs during repairs
- Personal liability for injuries and damage you are responsible for
- Medical payments to guests regardless of fault
Common add-ons
- Extended or guaranteed replacement cost when rebuild prices spike
- Water backup and sump-pump overflow
- Service-line cover for buried pipes and wiring
- Scheduled cover for jewellery, art and collections above the sub-limit
- Ordinance-or-law cover to rebuild to current codes
- Home-business endorsement
Questions
What people ask about home
Does homeowners cover flood?
No. Flood is excluded from every standard homeowners policy in the United States and needs separate cover. Earthquake is excluded too. We write both as standalone policies.
Replacement cost or actual cash value?
Replacement cost pays what a new equivalent costs today. Actual cash value subtracts depreciation, so a ten-year-old roof pays out as a ten-year-old roof. Replacement cost costs more and settles claims far better.
How much dwelling cover do I need?
Enough to rebuild from the foundation up at today’s labour and material prices — not what you paid and not what a buyer would pay. We run a rebuild estimate as part of the quote.
Often taken together
Related cover
Condo Insurance
The gap between where the association master policy stops and your front door begins.
Read more →Quote Homeowners Insurance
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.