Homeowner’s insurance

Basic insurance includes liability coverage for any damage you may cause to others.

Specified perils coverage on a building and its contents covers the insurable perils named in your home insurance policy, such as fire, theft and vandalism.

All-risk coverage does more than just protect your home or condominium. It also protects its contents (furniture, tools, computer, etc.) against all risks that are not specifically excluded. Your personal property may be covered even when it is outside your home.

Examples of losses:

• You go on a trip and lose your luggage.
• You forget your glasses at a restaurant, but when you go back to find them, they’re gone.

Examples of accidental breakage:

• Your dog destroys your couch.
• Your nephew spills a glass of water on your computer.
• Your daughter uses your kitchen furniture as a drawing board.

Several options are available to supplement your basic insurance, including:

• Sewer backup
• Water seepage
• Pool or hot tub
• Fuel oil leaks
• Water main
• Other coverage options