House Insurance

We insure your life. Because you never know.

House Insurance

What is covered by home insurance?

Home insurance is made up of coverages that may help pay to repair or replace your home and belongings if they are damaged by certain perils, such as fire or theft.  It may also help cover costs if you accidentally damage another person’s property or if a visitor is injured at your home. So, your damage or break-ins to your home can be financially and emotionally distressful for you and your family.

Home Insurance Coverage

Dwelling Protection

One of the basic coverages of a home insurance property coverage policy is dwelling protection, which helps cover the structure of the home in which you live, as well as other structures that are attached to it, such as a garage or a deck, against certain risks.

Personal Property Protection

Home insurance doesn’t just help cover damage to your home.  It may also provide coverage for the personal belongings you keep within it.  Suppose your electronics are stolen from your home or your furniture is damaged by a fire. Personal property protection may help pay to repair or replace your belongings if they are damaged or destroyed by a covered risk.

Many insurers offer optional coverages that may further help protect the stuff you own.  For instance, you may be able to purchase extended coverage for items such as jewellery, watches and furs that have values above your personal property coverage limits.

Liability Protection

A typical home insurance policy provides liability coverage when someone not living with you is injured while on your property. Suppose a visitor trips over your broken porch step.  Bodily injury liability coverage may help pay for your resulting legal expenses or the visitor’s associated medical bills if you are found at fault.

Other Structure Protection

Most house insurance policies also include coverage for other structures that are on your property but separate from your home, like a  detached garage, tool shed or fence.

Advantages of Home Insurance Property Coverage

  • Comprehensive insurance coverages to protect your property against damage from fire, smoke, storms, vandalism, theft and other hazards.

  • Temporary living expenses if your home is uninhabitable after a covered claim.

  • The option to add coverage for valuable personal property, such as jewellery and musical instruments.

  • Replacement Cost Coverage that replaces your lost personal belongings with brand-new equivalents of the same quality.

  • Optional Coverage: Various optional coverages are available so that you can tailor coverage to suit your needs and lifestyle.

Be smart with your insurance coverage

You need to be smart with your coverage according to your needs and budget. Having your home damaged in a natural disaster can be devastating – like the flash floods.  Without any protection, you are helpless against any losses that might occur.

However, having the right home insurance property coverage to protect your home and its contents might give you the peace of mind. Home insurance can help you cover a wide range of emergencies such natural disasters and medical costs for you and your family. Home insurance property coverage is almost as important as life insurance since your whole financial life could very well be in your home.

House Insurance for a Rented House

You may think that you don’t need any insurance coverage if you live in a rented house. This can be a misconception. The house may belong to the landlord, but the contents are yours. So, you will need insurance for any damage to the contents.

You are covered even when you live in an apartment or a condominium.  The management usually gets the building insured and factors it into the monthly charges payable by the residents. Make sure you get a copy of your individual certificate of insurance to check the coverage taken up under the master policy by your condominium management.

Contact our AIA Life Planning Advisor to get in touch with us and start your personal coverage or choose your plan now. Get covered correctly. Be advised correctly. Call today to be advised on the best insurance protection personalized for you. Or send us the form below on your interest.

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