General Information

Coverage for personal belongings. Additionally, this covers contents of children living away for university and parents/dependents living in long-term care facilities.

Product Coverage

“Comprehensive” coverage is available. Examples of contents include furniture, clothing, electronics, books, appliances, pots & pans, etc.

Some items you own may be subject to a specified limit of insurance for certain losses. This means that coverage for some items is limited to a pre-determined amount or limit depending on how the item is lost or damaged. Items that have special limits include:

• Jewelry, watches, gems, furs
• Money, including cash cards
• Works of art and antiques
• Watercraft

Product Exclusion

Similar exclusions to buildings, loss or damage to your contents caused by the following: mechanical breakdown of items such as furnaces, air conditioning units, business contents and or events such as flood losses resulting from the rising or overflow of coastal seawater including tsunamis, wear & tear etc. There may be additional coverage that can be purchased to cover these items and or events.

We do not insure loss or damage to the following items: motorized vehicles or their equipment, Camper units, truck caps, trailers or their equipment and or Aircraft or their equipment.

• Max Coverage

  CAD
  N/A
  (see below)

• Min Coverage

  CAD
  N/A
  (see below)

There is no maximum or minimum coverage for contents in a homeowner’s policy. Customers automatically have 80% of the insured value of the dwelling/building allocated to contents, with the option to increase beyond that limit.