Guaranteed Replacement Cost - Home
We will cover the cost of rebuilding your home if it is insured to 100% of its estimated replacement cost.

Replacement Cost On Contents
We will cover the replacement cost of your personal property without deduction for depreciation

Secondary Residence
Your secondary residence may qualify for the Elite program if it meets the criteria and we insure your principal residence.

Extended Warranty
We will double the manufacturer's warranty for normal household purchases up to a maximum of 1 year.

Lock Replacement
We will pay up to $1,000 to replace your locks if your keys are stolen.

Single Limit
If any single property coverage is inadequate to satisfy your loss, you may apply the unused amounts of other property coverages to your loss.

By-Laws Coverage
We will pay up to $20,000 for the additional cost to demolish, rebuild or repair your home if required to comply with a by-law.

Pollution Coverage
We will pay up to $10,000 for the removal and restoration of insured property if this has been ordered under the Environmental Protection Act.

Safety Deposit Box
We insure property kept in a safety deposit box for up to $25,000.

Broad Special Limits
Jewellery, furs ....... $8,000
Money .................. $1,000
Business items ..... $6,000
Garden tractors .... $15,000
Watercraft ............. $3,000
Software ................ $5,000