CHECK YOUR COVERAGES!  

It is important that you read your policy wordings!

If there is anything you do not understand please call us.  

Which form do you have - Broad or Comprehensive? Do you know the difference?

Broad is All Risks on Buildings subject to policy exclusions, limitations and conditions and Named Perils on Contents.

Named Perils are: Fire & Lightning, Explosion, Smoke, Falling Object, Impact by Aircraft or Land Vehicle, Riot, Vandalism, Limited Water Damage, Windstorm or Hail, Transportation, Theft, Escape of fuel oil and Damage from artificially generated electrical current.

Comprehensive is All Risks on both Buildings and Contents subject to policy exclusions, limitations and conditions.

Do you have anything of value which is subject to a special limit or you feel should be specifically mentioned?

Property floaters are available for an additional premium to properly insure your valuables.

These include extra coverages for jewelry and watches, furs, cameras, musical instruments, firearms, silverware, stamp, sports cards and coin collections, hearing aids, bicycles and accessories, cellular phones, C.B.'s/pagers, portable radios, horses, garden tractors, wheelchairs, golf carts, satellite dishes, watercraft, sailboats, fine arts, tools, sports equipment, electronic data processing equipment, property pertaining to a business occupation and trade, dogs, eye glasses, contact lenses, food spoilage in a freezer, contents in a holiday camper or trailer.  

Does your policy include all the coverages for your full protection?

Optional coverages are available for an additional premium which includes sewer back-up, lower deductibles for glass breakage, windstorm and hail damage to satellite dishes, mass evacuation, by-laws option, increased liability limits.  

Check your discounts!

Discounts are available for security systems, mature/senior citizens, non-smokers, new homes and claims-free.  

Check your deductible!

Remember premium dollars can be saved by choosing a higher deductible.  

YOUR POLICY IS A LEGAL DOCUMENT AND MUST NOT BE DESTROYED.  IF FOR ANY REASON THE POLICY IS NO LONGER REQUIRED, PLEASE RETURN IT TO OUR OFFICE IMMEDIATELY. THE DOCUMENT MUST ALSO BE SIGNED OFF FOR CANCELLATION BY ALL NAMED INSUREDS AS DIRECTED ON THE REVERSE SIDE OF THE CERTIFICATE.

IF you install a solid fuel wood burning stove in your home you must advise us as we require a woodstove questionnaire completed giving details of installation and clearances for Company approval.

IF you have a business in your home please note that there is limited coverage for business tools and equipment while on your premises in an enclosed building. There is no off premises coverage and no coverage for stock. You may require an In-Home Business Extension or a Commercial policy to look after your business needs. Your homeowners policy is to protect your own personal belongings.

IF you have a Daycare in your home there is a limit under the policy as to the number of children you are allowed to have.

IF you have a satellite dish on your property, please note that there is no coverage for windstorm and hail damage. A floater can be added to your policy which will give you the necessary coverages.

ALL policies are subject to certain limitations and exclusions for which no coverage is available. Some of the exclusions are:

1. Loss or damage caused by FLOOD, SURFACE WATER, SPRAY, WAVES, TIDES, TIDAL WAVES, ICE OR WATERBOURNE OBJECTS, all whether driven by wind or not.

2. Loss or damage caused by WATER BELOW THE SURFACE OF THE GROUND, INCLUDING WATER WHICH EXERTS PRESSURE ON OR FLOWS, SEEPS OR LEAKS THROUGH SIDEWALKS, DRIVEWAYS, FOUNDATIONS, WALLS, BASEMENTS OR OTHER FLOORS OR THROUGH DOORS, WINDOWS OR ANY OTHER OPENINGS.

LOSS or damage is not insured if caused by wear and tear and gradual deterioration.

LOSS or damage is not insured if caused by birds, vermin, rodents or insects.

LOSS or damage by domestic pets is not covered.

MOTOR vehicles and their accessories which are licensed or are subject to motor vehicle registration are not covered.

REFER to the policy wording for the complete list of exclusions.

IF there is any change in occupancy, please let us know immediately as this could void the contract in the event of a loss.

ALSO, if your property becomes vacant or unoccupied, please advise us immediately as a vacancy permit is required by the Company and certain coverages included in the homeowners form are not available for a vacant or unoccupied dwelling. Failing to complete a vacancy permit could void the contract in the event of a loss.

REMEMBER, IN THE EVENT OF A LOSS, IN MANITOBA YOU HAVE TWO YEARS FROM THE DATE OF THE INCIDENT TO FINALIZE YOUR CLAIM.  IT IS IMPORTANT THAT YOU NOTIFY US IMMEDIATELY.