Home Insurance

Special Form Home Insurance provides coverage for a wide range of perils, except for specific exclusions listed in the policy. It offers protection against unforeseen events such as fire, theft, vandalism, windstorms, and more.

Unlike Named Perils policies that only cover specific risks listed in the policy, Special Form Home Insurance covers all risks unless they are explicitly excluded. This means that unless a peril is specifically stated as excluded, it is covered under this policy.

Special Form Home Insurance typically covers both your dwelling (the physical structure of your home) and your personal belongings (furniture, appliances, clothing, etc.) against covered perils.

In addition to property coverage, Special Form Home Insurance often includes personal liability protection. This helps protect you financially if someone is injured on your property or if you accidentally cause damage to someone else's property.

While Special Form Home Insurance provides comprehensive coverage, it's important to review the policy to understand any exclusions or limitations. Certain perils like floods, earthquakes, or acts of war may require separate coverage or endorsements.

Special Form Home Insurance can often be tailored to your specific needs by adjusting coverage limits, adding endorsements for additional protection, or opting for additional coverage options such as scheduled personal property coverage or identity theft protection.

Renters Insurance provides coverage for your personal belongings, such as furniture, electronics, clothing, and other valuable items. It protects against risks like theft, fire, vandalism, and certain natural disasters.

Renters Insurance also offers liability protection. If someone is injured in your rented property and you're found responsible, Renters Insurance helps cover their medical expenses and protects you from potential lawsuits.

In the event that your rental unit becomes uninhabitable due to a covered event. Renters Insurance can help cover additional living expenses. This may include temporary accommodation, meals, and other necessary costs.

Comprehensive Form Home Insurance, also known as "all-risk" coverage, offers broad protection for your dwelling and personal belongings against a wide range of perils, except for specific exclusions stated in the policy. This means that unless a peril is explicitly excluded, it is covered under this policy.

Comprehensive Form Home Insurance covers the physical structure of your home (dwelling) against covered perils, including damage from fire, storms, theft, vandalism, and other unforeseen events.

This type of insurance also provides coverage for your personal belongings, such as furniture, appliances, electronics, clothing, and other valuable items. It protects against risks like theft, damage, or loss due to covered perils.

Comprehensive Form Home Insurance typically includes personal liability protection, which safeguards you financially if someone is injured on your property or if you accidentally cause damage to someone else's property. It can help cover medical expenses and legal costs in such situations.

In the event that your home becomes temporarily uninhabitable due to a covered peril, Comprehensive Form Home Insurance can help cover additional living expenses. This includes costs for temporary accommodation, meals, and other necessary expenses.

Condo Insurance offers coverage for the interior of your condo unit, including fixtures, appliances, and improvements you've made. This coverage helps protect against risks like fire, theft, vandalism, and certain natural disasters.

This insurance also provides coverage for your personal belongings, such as furniture, electronics, clothing, and other valuable items. It protects against damage or loss caused by covered perils.

Condo Insurance includes personal liability protection. If someone is injured in your condo unit and you're found responsible, this coverage helps cover their medical expenses and protects you from potential lawsuits.

In the event of damage or loss to shared areas or common areas of the condominium complex, Condo Insurance can help cover your share of the costs. This coverage is known as loss assessment coverage and protects you from unexpected expenses.

If your condo unit becomes temporarily uninhabitable due to a covered peril, Condo Insurance can help cover additional living expenses. This includes costs for temporary accommodation, meals, and other necessary expenses.

It's essential to understand the insurance coverage provided by the condominium association's master policy. Condo Insurance fills the gaps in coverage left by the master policy, including coverage for your personal belongings and liability.