Dwelling: This offers protection as a result of damage to the structure of your home, including
fixtures, plumbing and heating, due to a covered loss like fire or hail storm damage. You need
enough coverage for the cost of rebuilding or repairing your home, less the cost of the land.
Other structures: This includes coverage for detached structures, such as a garage, garden shed
and fixtures attached to land such as a driveway, sidewalks, patio, fence and swimming pool.
Personal property: This covers the contents and personal items in your home such as furniture,
clothing and sporting goods. It also extends to your personal belongings anywhere in the world.
To determine your property’s value, we’ll provide you with a home inventory checklist to help you
quickly and easily itemize your belongings. We recommend insuring your personal property for its
replacement cost value. Replacement cost value ensures that you can replace yesterday’s purchases at today’s prices.
Loss of use: In the event that a covered loss forces you from your home, such as because of a fire,
loss of use provides a safety net for additional expenses over and above your normal living expenses
while you are unable to live in your home, up to the policy limit.