Home insurance

Homeowner insurance

Policy features

All our homeowner insurance policies provide you with the following features at no additional cost.

With an SGI CANADA Home Pak policy you 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.
• Identity theft expenses resulting from theft or misrepresentation of personal information.
• 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.

Personal liability coverage

This coverage protects you in case you're found legally responsible for bodily injury to someone else or for damage to their property.

Our home insurance policies include a minimum amount of protection of $1 million for personal liability coverage. Coverage provided includes:

• Court costs, legal fees and certain other expenses.
• Voluntary medical payments up to $5,000.
• Voluntary property damage payments up to $5,000.

Ask your insurance broker about options for increased amounts of protection and important extensions of your personal liability coverage for other property you may own such as seasonal residences or watercraft.

Replacement cost coverage

The coverage protects your home, outbuildings and belongings for what they cost at today’s prices, not depreciated values, up to the amount of insurance on your policy (some limitations may apply).