RENTERS & TENANT INSURANCE

• Exclusive

• Type of coverage: All Risk
• Package Description: Our highest level of protection. It offers the same protection as Excel, but provides higher limits.
• Deductible: $500

• Excel

• Type of coverage: All Risk
• Package Description: Our mid-level package. It protects against all risks except those listed as exclusions in your policy.
• Deductible: $500

• Essential

• Type of Coverage:Named Perils
• Package Description: Our most basic package. It offers protection for those perils listed in your policy
• Deductible: $500

Personal Property

• Minimum coverage for personal property on premises (replacement cost included)
• Personal property temporarily off premises
• Personal property while moving anywhere in Canada
• Personal property of a student attending university or college away from home
• Credit card/counterfeit money
• Identity theft
• Food spoilage in your home freezer
• Lock replacement (if keys are stolen)
• Auto lock recoding/re-keying (if keys are stolen)
• Property of family member in health care facility or nursing home
• Fire department charges
• Sewer backup coverage
• Safety deposit box
• Funeral benefit

• Exclusive

• Minimum coverage for personal property on premises (replacement cost included)$50,000
• Personal property temporarily off premises100% of personal property limit
• Personal property while moving anywhere in Canada 60 days or policy expiration date, whichever occurs first
• Personal property of a student attending university or college away from homePersonal property limit
• Credit card/counterfeit money$25,000
• Identity theft$20,000 per occurrence (up to $40,000 per policy term)
• Food spoilage in your home freezerPersonal property limit
• Lock replacement (if keys are stolen)$3,000
• Auto lock recoding/re-keying (if keys are stolen)$500
• Property of family member in health care facility or nursing home10% of personal property limit (up to $10,000)
• Fire department chargesPersonal property limit
• Sewer backup coverageIncluded
• Safety deposit boxPersonal property limit
• Funeral benefits$5,000

• Excel

• Minimum coverage for personal property on premises (replacement cost included)$25,000
• Personal property temporarily off premises100% of personal property limit
• Personal property while moving anywhere in Canada 30 days or policy expiration date, whichever occurs first
• Personal property of a student attending university or college away from home$10,000
• Credit card/counterfeit money$10,000
• Identity theft$15,000 per occurrence (up to $30,000 per policy term)
• Food spoilage in your home freezer$3,000
• Lock replacement (if keys are stolen)$1,000
• Auto lock recoding/re-keying (if keys are stolen)$500
• Property of family member in health care facility or nursing home10% of personal property limit (up to $10,000)
• Fire department chargesPersonal property limit
• Sewer backup coverageIncluded
• Safety deposit box$10,000
• Funeral benefits$5,000

• Essential

• Minimum coverage for personal property on premises (replacement cost included)$25,000
• Personal property temporarily off premises10% of personal property limit or $1,500, whichever is greater
• Personal property while moving anywhere in Canada 30 days or policy expiration date, whichever occurs first
• Personal property of a student attending university or college away from home$10,000
• Credit card/counterfeit money$10,000
• Identity theft$15,000 per occurrence (up to $30,000 per policy term)
• Food spoilage in your home freezer$1,500
• Lock replacement (if keys are stolen)$1,000
• Auto lock recoding/re-keying (if keys are stolen)$500
• Property of family member in health care facility or nursing home10% of personal property limit (up to $10,000)
• Fire department charges$5,000
• Sewer backup coverageIncluded
• Safety deposit box$5,000
• Funeral benefits$5,000

Special Limitations (Higher limits may be available for some items. Contact your agent for more information).

• Business-related books, tools and instruments (on premises)
• Jewellery, furs and watches
• Silverware
• Securities
• Money, bullion
• Collectibles
• Numismatic property (coins)
• Philatelic property (stamps)
• Computer software
• CD’s, DVD’s, other media off premises
• Bicycles
• Garden-type tractors
• Watercraft
• Utility trailers
• Animals, birds and fish
• Spare automobile parts

• Exclusive

• Business-related books, tools and instruments (on premises)$10,000
• Jewellery, furs and watches$15,000
• Silverware$20,000
• Securities $10,000
• Money, bullion$1,000
• Collectibles$5,000
• Numismatic property (coins)$4,000
• Philatelic property (stamps)$4,000
• Computer software$5,000
• CD’s, DVD’s, other media off premisesPersonal property limit
• Bicycles Personal property limit
• Garden-type tractors$20,000
• Watercraft$6,000
• Utility trailers$2,000
• Animals, birds and fishPersonal property limit
• Spare automobile parts $1,000

• Excel

• Business-related books, tools and instruments (on premises)$5,000
• Jewellery, furs and watches$6,000
• Silverware$10,000
• Securities $7,000
• Money, bullion$500
• Collectibles$2,500 (up to $250 per item)
• Numismatic property (coins)$1,000
• Philatelic property (stamps)$2,000
• Computer software$2,500
• CD’s, DVD’s, other media off premises$200
• Bicycles $2,000 per bike
• Garden-type tractors$10,000
• Watercraft$4,000
• Utility trailers$1,000
• Animals, birds and fishPersonal property limit
• Spare automobile parts $1,000

• Essential

• Business-related books, tools and instruments (on premises)$2,500
• Jewellery, furs and watches$3,000
• Silverware$5,000
• Securities $7,000
• Money, bullion$500
• Collectibles$2,500 (up to $250 per item)
• Numismatic property (coins)$500
• Philatelic property (stamps)$2,000
• Computer software$1,000
• CD’s, DVD’s, other media off premises$200
• Bicycles $1,000 per bike
• Garden-type tractors$5,000
• Watercraft$2,000
• Utility trailersNot available
• Animals, birds and fishNot available
• Spare automobile parts $1,000

Additional Living Expenses

• Maximum amount available for additional living expenses

• Exclusive

• Maximum amount available for additional living expenses25% of personal property limit

• Excel

• Maximum amount available for additional living expenses20% of personal property limit

• Essential

• Maximum amount available for additional living expenses20% of personal property limit

Liability (Worldwide Coverage)

• Legal liability limit
• Voluntary medical payments
• Voluntary payments for property damage

• Exclusive

• Legal liability limit$1 – $2 million
• Voluntary medical payments$10,000
• Voluntary payments for property damage$1,000

• Excel

• Legal liability limit$1 – $2 million
• Voluntary medical payments$5,000
• Voluntary payments for property damage$1,000

• Essential

• Legal liability limit$1 – $2 million
• Voluntary medical payments$5,000
• Voluntary payments for property damage$1,000