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Home Policy Updates

We’re pleased to provide the following enhancements to your policy:






Policy Reference


Personal property in a safety deposit box

Items usually kept in an off-site safety deposit box

Not available

Up to $10,000 in coverage

1.1.11 14)


Tear out

The cost to repair walls or ceilings that are torn out to access something behind them (such as plumbing or electric wires) that turns out to be an uninsured loss.

Not available

Up to $500 in coverage (no deductible)

1.1.7 8)


Detached private structures

Detached structures such as sheds or garages

Coverage for these buildings was 10% of your home’s coverage limit, up to $30,000 (see Section 1, “A. Home” on your Declaration Page). If you have multiple detached structures, the coverage for each individual building was a share of the total.

Coverage for these buildings is up to 15% of your home's coverage limit (see Section 1, “A. Home” on your Declaration Page). If you have multiple detached structures, and experience a loss to some but not all structures, the total coverage is available.

1.1.5 2)
1.1.6 4)


Water freezing exclusion for temporary un-occupancy

Damage due to water freezing in your pipes while you’re away from home in the winter

Coverage available if the home was checked every day when you were away for more than 4 days.

Coverage available if the home is checked every other day when you’re away for more than 14 days.

1.1.14 9)


Same site clause

Rebuilding your home if you experience a loss due to earthquake or flood (only if Optional Extra coverage purchased) or wildfire

Less coverage available if you choose to rebuild elsewhere, subject to depreciation


Coverage available no matter where you choose where to rebuild, not subject to depreciation

1.1.6 2)


Vacancy exclusion

Water damage, glass damage, vandalism in vacant homes

Not available

Available for purchase


Optional Coverages

We encourage your to consider what optional coverages may also be appropriate for your home. View additional coverage options here.

Insurance is sold through BCAA Insurance Agency and underwritten by BCAA Insurance Corporation. The language in this document may not be the same as the actual policy wording, which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply.