In most cases, your farm is also your home. That's why SGI CANADA's Agro Pak includes some coverage normally found in home insurance policies to cover your home and personal belongings.
To help determine what amount of protection is right for you, your insurance broker first may ask you to complete A record of your belongings worksheet (pdf, 139 kb) designed to help you itemize a listing of your personal property, from clothing to major appliances.
Reviewing this list with your broker will ensure that you have enough protection to replace all of your personal property in the event of a major loss.
With an SGI CANADA Agro Pak policy your home and belongings are protected against:
- Credit/debit card loss, cheque forgery and counterfeit money.
- Expenses associated with debris removal following an insured loss.
- Damage to your property from emergency entry by police officers, paramedics or firefighters.
- Increased living expenses and lost rental income following an insured loss.
- Inflation protection.
- Mass evacuation expenses.
- Lock replacement following an insured loss.
- Damage to trees, shrubs and outdoor plants.
- Damage to belongings of guests or household employees.
Basic identity theft coverage is automatically included.
Glass breakage deductible
For an additional cost, the deductible for glass breakage can be reduced. This is available for Home Paks I, B, II or III only. Discuss your options with your SGI CANADA broker.
Rental home coverage
This option allows you to add protection for up to 6 rental homes that you own and rent to others.
Seasonal home coverage
You can add protection for your seasonal home and its belongings to your Home Pak policy. Guaranteed replacement cost coverage is available at no additional charge (subject to some restrictions).
Special belongings coverage
Have an heirloom or anniversary gift that requires more coverage? You may require extra protection on special items like furs, jewelry, artwork, coin and stamp collections, musical instruments and bicycles.
Talk to your SGI CANADA broker to determine if your prized possession needs special protection.
Sewer backup coverage
This coverage is available for an additional cost.
Boats, motors and their equipment can also be protected.