Home insurance

Homeowner insurance

Our homeowner insurance policies provide the kind of protection you need for your home, outbuildings and belongings, and includes personal liability coverage.

Home Pak A

Protects your dwelling and belongings against loss or damage resulting from the following named perils:

• fire or lightning
• explosion or implosion
• smoke
• falling objects
• impact by aircraft, spacecraft or land vehicles
• riot
• vandalism or malicious acts
• water escape and rupture
• windstorm or hail
• electricity (power surge)

Home Pak I

In addition to coverages provided by Home Pak A, you receive added protection for:

• Glass breakage.
• Theft, including damage caused by attempted theft.
• Loss or damage to items being transported, caused by an accident to the transporting vehicle.

Home Pak B

Provides all the coverages of Home Pak I, plus comprehensive coverage for your dwelling.

Your dwelling will be safe from all the risks covered by Home Pak I, plus other misfortunes.

For example, if you're rearranging furniture and accidentally damage a wall, Home Pak B covers the damage. It also protects if an accidental paint spill damages your wall to wall carpeting.

Home Pak II

Provides all the coverages of Home Pak I, plus comprehensive coverage for your belongings.

Your belongings will be safe from all risks covered by Home Pak I, plus many other misfortunes.

For example, if an airline misplaces your luggage, Home Pak II will cover your loss, but Home Pak A, I and B will not.

Home Pak III

This is the most comprehensive coverage you can buy to protect your dwelling, outbuildings and belongings and provides all the coverage offered by our other Home Paks, plus more.