HOME & PROPERTY INSURANCE
Your family deserves peace of mind.
Home Insurance
Home insurance coverage can be broken into two categories – personal property and personal liability.
There are several types of policies, like home (owner occupied, rented to others, recreational/seasonal); condo/strata (owner occupied, rented to others, recreational/seasonal); and tenant or renter's insurance.
Then, there are multiple levels of coverage, which we've summarized below:
- Comprehensive. Covers the building and its contents for all risks, except for those specifically excluded Flood, earthquake or sewer backup are some of the optional coverages that you may be able to purchase separately.
- Basic or Named Perils. Covers only those perils that are specifically stated.
- Broad. Provides comprehensive coverage on big-ticket items, such as the building, as well as named perils coverage on the contents.
- No Frills. Offered by some insurers, it covers properties that don’t meet normal insurance standards. Correcting physical problems can help qualify for better coverage.
Personal liability
Home insurance policies include personal liability coverage for bodily injury or property damage unintentionally caused to others up to the limit. Be aware that:
- homeowners, condo owners and renters can be held personally liable for damage or injury they cause others
- if you are sued for something which covered under the policy, your Insurer will pay your legal costs
- injuries sustained by you or household members aren’t covered
This applies your actions on the property or anywhere in the world
Types of property insurance Stuart I strange covers:
- Homeowners
- Tenant (sometimes known as “content”or “renter’s” insurance)
- Condo
- Rental property
- Seasonal (cottages)
- Multi-unit buildings
- Commercial (business) property
