Included in your policy:

• Personal Property

  Helps pay the costs of repairs or replacement of your contents. Plus, it covers some additional living expenses if you have to temporarily move out

  or find a new home due to damage after an insured loss. Customize the amount of coverage you need.

   

• Liability

  We'll help you cover the cost of damages if someone is accidentally injured at your condo or you unintentionally cause injury to someone (at home

  or elsewhere). Choose a coverage amount of $1 million or $2 million.

   

• All-Risk

  This may cover potential damages to your property, such as fire, theft and vandalism. We even cover accidental damage by you in many

  circumstances. Coverage is all risk, meaning you will be covered for loss or damage other than from perils that are specifically excluded.

   

• Unit Betterments & Improvements

  Coverage for repair or replacement of upgraded items in your condo, such as granite countertops, hardwood flooring, etc.

• Unit Additional Protection

  Provides additional protection and coverage for damage to your unit if the condo corporation's policy covering the building structure has

  lapsed or is inadequate.

   

• Loss Assessment

  This helps cover your costs if you have to pay a share of a claim against the condo corporation—damage to common areas, or if the corporation

  deductible is passed on to condo owners, for example.

   

• Specialty Items

  Coverage for any high-value items you may have in your home that are especially valuable, like jewellery or art.

• Identity Theft

  If your identity is stolen, there could be financial losses to deal with. You could also have legal fees, costs to restore your identity

  or lost wages to consider. Your policy may cover these costs up to a value of $30,000.