- Your home's structure and other structures on your property
- Your personal property
- Additional living expenses if you can't stay in your home after a covered loss
- Your liability if someone trips on your property or files an injury lawsuit against you
What are you covered against?
In a standard homeowners policy (also known as an HO3), your home and belongings will generally be protected by:
- Fire and lightning
- Theft and vandalism
- Falling objects
What is not covered?
A standard homeowners policy will not cover against earthquakes or flood. Other exclusions can include mold, wear and tear, and vermin.
There are discounts available
- Multi-policy discount (packaging with auto)
- New buyer discount
- Alarm discounts
We can also help with secondary homes and seasonal homes.