Home Insurance

For most people the largest purchase they will ever make is their Home.  A Homeowner’s insurance policy protects your dwelling, outbuildings and belongings against losses or damage resulting from fire or lightning, smoke, vandalism, windstorms, hail and water escape to name just a few perils.  It will also provide coverage for liability should an accident occur in your home or on your property. Home insurance coverages can vary from very basic to very comprehensive.

Under your home owner’s insurance policy you can also obtain additional coverages (to name just a few) for:
– Home owners guarantee/replacement cost;
– Belongings outside the home;
– Jewellery, Artwork, Coin collections;
– Boats, ATV’s and other toys;
– Water protection and/or Sewer backup;
– Home systems protections;
– Service line coverage;
– Identity theft;
– Home-based businesses;

Tenant Insurance – If you live in a home which you do not own, the property would be insured by the owner however you will need to obtain a Tenant policy to protect your belongings from various risks and your personal liability.

Condo Insurance – If you live in a Condo you will have different insurance requirements from a home owner’s policy. The Condo Corporation will have its own insurance policy that will cover the building and common areas. You will require an insurance policy to protect your personal property, leasehold improvements and liability. These policies include additional coverage options such as loss assessment coverage and the need to increase the amount of coverage should the Condo Corp’s policy not carry enough insurance.

Cabins or Rental Properties – House insurance policies also provide coverage for these properties from perils.

Getting the right protection is about making the choices that suit your needs and requirements and that are tailored to your specific needs.

At Alvena Insurance, our team would be happy to discuss your insurance needs with you to ensure that you have the right coverage.

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