In most cases, your farm is also your home. That's why SGI CANADA's Agro Pak includes some coverages 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 SGI CANADA insurance broker may ask you to complete A Record of Your Belongings worksheet (pdf, 139 kb). The worksheet is designed to help you make a complete listing of your belongings, from clothing to major appliances.
Reviewing this list with your SGI CANADA insurance 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.
- 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 outdoor trees, lawns, shrubs and plants.
- Damage to belongings of guests or residence employees.
Glass breakage deductible
For an additional cost, the deductible for glass breakage can be reduced. This is available for Agro Home Paks I, B, II or III only. Discuss your options with your SGI CANADA insurance broker.
Home Systems Protection
For an additional premium, you can purchase coverage for all your home systems, equipment and major appliances.
For details, review the Home Systems Protection coverage.
Rental home coverage
This option allows you to add protection for up to 10 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 Agro Home Pak policy. Guaranteed replacement cost coverage is available at no additional charge (subject to restrictions).
Service Line Coverage
For an additional premium, protect yourself against the repair costs of outdoor underground water/sewer piping and wiring on your property.
For details, review Service Line Coverage.
Sewer back up coverage
This coverage is available for an additional premium (subject to restrictions).
Special belongings coverage
You may require extra protection on special items like furs, jewelry, artwork, coin and stamp collections, musical instruments and bicycles.
Boats, motors, personal watercraft and their equipment can also be protected for an additional premium. Loss of use coverage is automatically included for watercraft shown on your policy.