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Increased Coverage Limits

We've enhanced your Home Insurance coverage by increasing the Special Limits for some coverages. Highlights include:

  • Jewellery and watches: Increased to $10,000 ($20,000 for Premier)
  • Bicycles and accessories: Increased to $2,000
  • Computers, cameras and mobile devices: Increased to your Personal Property Limit
  • Student Property: Increased to your Personal Property Limit
  • Property in Storage: Coverage period increased to 90 days
  • Parents in a Care Facility: Increased to $15,000 and now includes spouses


Extensions of Coverage

Coverage

Current

Enhancement

Policy reference

Fire department service charge

$2,000; no deductible

Cov A limit; no deductible

Sec 1.2.2 4)

Property removed

7 days

90 days

Sec 1.2.2 7); 1.4.2 6); 3.16.1.1.1 3); 3.20.1.1.1 3)

Property in storage

30 days

90 days

Sec 1.4.1 4)

Moving to another location

7 days

90 days

Sec 1.4.1 5)

Student property

$5,000

Cov C limit

Sec 1.4.1 6)

Parents in a care facility

$5,000

$15,000; incl spouse

Sec 1.4.2.1 1)

Household animals, birds or fish

$2,000

Cov C limit

Sec 1.4.2.1 9)

Spare automobile parts

$1,000

$2,000

Sec 1.4.2.1 12)



Special Limits

Coverage

Current

Enhancement

Policy reference

Professional property (books, tools, instruments)

$2,000

$5,000

Sec 1.5.1 1); 3.16.1.2.2 1); 3.20.1.2.2 1)

Money

$500

$1,000

Sec 1.5.1 3)

Computers

$5,000

Cov C limit

deleted

Audio and video media

$2,000; $200 theft from vehicle

Cov C limit

deleted

Cameras and accessories

$3,000

Cov C limit

deleted

Cellular phones and mobile electronic devices, incl accessories

$500

Cov C limit

deleted

Garden-type tractors and accessories

$5,000

$10,000

Sec 1.5.1 5)

Jewellery, watches, gems, furs

$6,000; $18,000 Premier

$10,000; $20,000 Premier

Sec 1.5.2 1); 3.11.1 1) 1); 3.12.1 2) 1); 3.13.1 2) 1)

Numismatic property (coin collections)

$200; $600 Premier

$1,000; $2,000 Premier

Sec 1.5.2 2); 3.11.1 1) 2); 3.12.1 2) 2); 3.13.1 2) 2)

Philatelic property (stamp collections)

$1,000

$2,000

Sec 1.5.2 3)

Silverware

$6,000/$18,000 Premier

Cov C limit

deleted

Bicycles and accessories

$1,000

$2,000

Sec 1.5.2 4)

Collectible cards

$1,000; $3,000 Premier

$5,000; $10,000 Premier

Sec 1.5.2 5); 3.11.1 1) 5); 3.12.1 2) 5); 3.13.1 2) 5)

Sporting equipment and accessories

$3,000; $9,000 Premier

Cov C limit; Golf equipment $5,000; $10,000 Premier

Sec 1.5.2 6); 3.11.1 1) 6); 3.12.1 2) 6); 3.13.1 2) 6)



Loss or Damage Not Insured

Coverage

Current

Enhancement

Policy reference

Pet damage

$2,500

Cov C limit

deleted



Basis of Claim Payment

Coverage

Current

Enhancement

Policy reference

Guaranteed Building Replacement - Cov A

$5,000 additions

$25,000 additions

Sec 1.10.1 3); 3.14.2 3)



Section 2 Liability Coverages

Coverage

Current

Enhancement

Policy reference

Cov G - Voluntary Property Damage

$500

$1,000

declaration page



Rented Condo/Seasonal Condo

Coverage

Current

Enhancement

Policy reference

Strata deductible assessment

$5,000

$25,000; extension of coverage that increases the amount of insurance

Sec 3.16.1.2.1 1); 3.20.1.2.1 1)