Home Insurance Changes Policy

Policy Wording Changes

Section 1 - Property Coverages
Wording Changes	Changes	Policy reference
Detached private structures	clarified wording	Sec 1.3; 3.16.1.1.1 1) 1b); 3.20.1.1.1 1) 1b)
Data	delete "tsunami"	Sec 1.8 17); 3.16.3 16); 3.18.2 10); 3.20.3 16)
Water	excl storm drain	Sec 1.8 21) ii); 3.16.2 7) ii); 3.20.2 7) ii)
Vermin	excl birds	Sec 1.8 29); 3.18.2 5); 3.22.2 8); 3.26.3 7)
Marijuana operation	clarified wording	Sec 1.8 36); 3.16.3 22); 3.20.3 22)
Guaranteed Building Replacement	excl bylaw upgrades; mobile homes 21 years or older subject to ACV	Sec 1.10.1
Replacement Cost - Cov B	replace "building" with "structure"	Sec 1.10.2
Replacement Cost - Cov C	delete reference to "scheduled personal property rider"	Sec 1.10.3
Deductible	incl earthquake deductible	Sec 1.11

Section 2 - Liability Coverages
Wording Changes	Changes	Policy reference
Occurrence	clarified wording	Sec 2.1; 2.2; 2.2.5 5); 2.3; 2.7.1; 2.7.2; 2.7.3; 4.3 14)
Marijuana operation	exclusion	Sec 2.6 14)
Defamation	exclusion	Sec 2.6 15)
Electronic aggression	exclusion	Sec 2.6 16)

Section 3 - Optional Coverages
Wording Changes	Changes	Policy reference
Earthquake Rider	excl tsunami; clarified occurrence	Sec 3.4.2 1); 3.4.3
Identity Theft Rider	clarified wording	Sec 3.6.6
Residential Rental Rider	delete reference to "strata unit"	Sec 3.16.1.1.1 1) c)
DrainGuard Rider	incl external drains off premises	Sec 3.24.1
Flood Rider	new optional coverage	Sec 3.27