Additional Coverages Available in British Columbia

The following is a list of some of the items commonly added to a home insurance policy. They are subject to the exclusions and conditions set out in the policy. If you have items or special requirements not listed here, please contact one of our insurance advisors to discuss your coverage options.

Watercraft Coverage

We can increase the policy limits on most watercraft up to 40 feet in length. * We do not insure high performance vessels or watercraft equipped with jet water propulsion systems. 

Earthquake Extension

This coverage is automatically provided with every policy, unless you choose not to take it. It provides coverage for damage to your building and contents resulting directly or indirectly from an earthquake, subject to a deductible which you choose (there are currently 3 options to choose from).

Due to pending regulatory changes, coverage for fire or explosion following an earthquake is now included in our home policy regardless of whether you have purchased our Earthquake extension. This means that the deductible for fire or explosion following an earthquake will be the same as the policy deductible.  As before, you are only covered for other loss or damage resulting from an earthquake, such as shake damage, if you have purchased our Earthquake extension.

Increased coverage amounts on property with specific limits:

You can purchase increased limits of coverage on some items such as bicycles, jewellery, furs, business property, and coin, stamp, and sport card collections.