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turingroad

Homeowners Policy Coverage

For more information, please contact one of our agents.

Coverages Standard Form Broad Form Plus Form
Dwelling Coverage “Named Perils” Coverage Direct Physical Loss or Damage Direct Physical Loss or Damage
Guaranteed or Additional Rebuilding Cost Not Available Included (Subject to underwriting) Included (Subject to underwriting)
Detached Private Structures 10% of Dwelling Limit 10% of Dwelling Limit 10% of Dwelling Limit
Personal Property Coverage “Named Perils” Coverage “Named Perils” Coverage Direct Physical Loss or Damage
Personal Property 60% of Dwelling Limit 70% of Dwelling Limit 80% of Dwelling Limit
Personal Property - Off Premises 10% of Personal Property Limit 10% of Personal Property Limit Included to Personal Property Limit
Additional Living Expenses 20% of Dwelling Limit 20% of Dwelling Limit 20% of Dwelling Limit
Personal Liability Available limits start at $1,000,000 Available limits start at $1,000,000 Available limits start at $1,000,000
Voluntary Medical Payments $5,000 $5,000 $5,000
Voluntary Property Damage $2,000 $2,000 $2,000
Special Limits
Jewellery, Watches, Gems, Furs $3,000 $3,000 $6,000
Coin & Bank Note Collection $300 $300 $500
Sports Cards & Memorabilia, Comic Books $1,500 $1,500 $2,500
Stamp Collections $1,500 $1,500 $2,000
Silverware, Goldware, etc. $10,000 $10,000 $10,000
Business Books, Tools & Instruments $3,000 $3,000 $5,000
Securities, Deeds, Manuscripts, etc. $3,000 $3,000 $5,000
Money, Bullion or Cash Cards $300 $300 $500
Lawn & Garden Tractors, Golf Carts $15,000 $15,000 $15,000
Watercraft & Equipment $1,000 $1,000 $3,000
Computer Software $1,000 $1,000 $3,000
Antiques Depreciated Value Depreciated Value Depreciated Value
Motorized Vehicle Parts (not yet installed) $3,000 $3,000 $3,000
Bicycles & Related Equipment $1,000 per item $1,000 per item $3,000 per item
Utility Trailers $1,000 $1,000 $1,000
Personal Transporters $3,500 per item $3,500 per item $3,500 per item
Additional Coverages
Lawns, Outdoor Trees, Shrubs & Plants 5% of Dwelling Limit (Maximum $500 per item) 5% of Dwelling Limit (Maximum $500 per item) 5% of Dwelling Limit (Maximum $1,000 per item)
Pollution Damage to Insured Premises $5,000 $5,000 $5,000
Credit/Debit Cards, Counterfeit Money, etc. $5,000 (No deductible) $5,000 (No deductible) $5,000 (No deductible)
Inflation Protection Not Covered Not Covered Not Covered
Safety Deposit Box Not Covered Not Covered $10,000
Lock Replacement (if keys are stolen) Not Covered Not Covered $500 (No deductible)
Freezer Contents $1,000 (No deductible) $1,000 (No deductible) $3,000 (No deductible)
Fire Department Charges $1,000 (No deductible) $1,000 (No deductible) $3,000 (No deductible)
Arson or Theft Conviction Reward $1,000 (No deductible) $1,000 (No deductible) $1,000 (No deductible)
Emergency Services Forced Entry Not Covered Not Covered $5,000 (No deductible)
By-Law Coverage $5,000 $5,000 $10,000
Identity Fraud Not Covered Optional Coverage $10,000
Power Fluctuation Not Covered $5,000 $10,000
Ice Damming Not Covered Included Included
Student Property (Away From Home) $5,000 per student $5,000 per student $10,000 per student
Sewer, Septic, Drain or Sump Backup* Optional Coverage $25,000 $40,000
Tombstones, Headstones & Monuments Optional Coverage Optional Coverage $3,000

*Subject to underwriting approval. Higher limits may be available for an additional premium. Note: this coverage may be deleted or the limits may be reduced after a claim.

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