We all underestimate the value of all the stuff that we own, until it needs to be replaced. Belongings coverage is an amount set by YOU based on the value of the items that YOU own. It is meant to cover the stuff you own - at your house, away from the premises temporarily, or in proper storage. If you have SPECIAL high value items like electronics, collectibles, jewellery, art, or furs -- you may need to get additional coverage.

Additional living expense is a coverage you may have without even realizing as it may not be listed on your policy. It is definitely a coverage you want. If you have to leave your home due to an insured reason or it is unsafe to stay at home, and need a place to stay, this covers the increased cost of living elsewhere. This covers the increase in your cost of living elsewhere. In a Tenant/Renters Policy, it is 20% of the amount of protection shown for your belongings.

Louder for those in the back -- IF you ever have a liability claim - it will likely be the HIGHEST COST CLAIM in your life. This is why liability should always be the highest amount of coverage on your policy. Personal Liability coverage is financial protection for claims of bodily injury and/or property damage caused by you or someone covered in your household.

As the internet continues to grow, so do the number of cases of Identity Theft. Identity Theft coverage covers the costs associated with getting your identity back to being just YOURS.

Have you done improvements or renovations to the home that you rent to make it feel more like your own? These additions would not be covered with your landlord’s policy, and it is on you to protect them. If they were destroyed by an insured peril, have the peace of mind you need knowing you would get them redone.

Would you believe that Saskatchewan has more water claims than fire claims? Better believe it, it’s true. We can help you understand what is covered, and what is not. Sewer backup has to be sudden in order to receive coverage, and cannot be seepage or continuous or repeated leakage.