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Our Services

Home insurance coverage shaped around the way you live.

The full line-up

Seven coverage parts, one clear policy

Mix and match the protection that suits your home and household. Choose a coverage below to read more.

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Dwelling Coverage

Dwelling coverage helps pay to repair or rebuild the structure of your home when it is damaged by a covered event, such as fire or a storm. It applies to the walls, roof and built-in parts of the house.

Limits and deductibles can be discussed with our team so the coverage reflects your home.

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02 / 07

Other Structures

Extends protection to structures on your property that are not attached to the house, such as a detached garage, shed or fence, as described in your policy.

Covered structures and limits are set out in your policy contract.

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Personal Property

Helps pay to repair or replace belongings such as furniture, clothing and electronics when they are damaged, destroyed or stolen in a covered loss.

Renters and condo owners often rely on this coverage for the things they own inside their home.

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Personal Liability

Helps with legal costs and damages if someone is injured at your home or if you are responsible for damage to another person’s property, subject to your policy’s limits.

It is a part of a home insurance policy that applies to the responsibilities of living in or owning a home.

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Medical Payments

Helps with medical expenses for guests who are injured at your home, regardless of fault, as described in your policy.

It is designed for smaller medical costs and works alongside your liability coverage.

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Additional Living Expenses

If a covered loss makes your home unlivable, this coverage can help with the added costs of living elsewhere while repairs are made, such as temporary housing.

Terms, time periods and limits are described in your policy.

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Optional Endorsements

Depending on your state and policy type, endorsements such as water backup, scheduled valuables or equipment breakdown may be available to add to your policy.

Each endorsement changes what your policy includes, so our team can walk you through what applies to your home.

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Next step

Find the right mix of coverage

Tell us a little about your home, and we’ll help you put together a policy that fits.