Home insurance for homeowners
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As a homeowner and member of a group insured with The Personal, you can get all-risk insurance to protect your property against most accidental damage and liability coverages to protect you in the event of injury to others or damage to their property.
This covers you in case you injure someone or damage their property by accident.
Liability coverageCoverages E, F, G and H
These coverages are included standard insurance policies. They insure you for unintentional bodily injury or property damage that you cause to another person, anywhere in the world. For example:
- a fire breaks out in your home and spreads to your neighbours’ homes
- a visitor slips on icy stairs going into your home and breaks their leg
- your son breaks a neighbour’s window during a snowball fight and your neighbour sends you the bill for the replacement window
- your cleaner falls and gets hurt while cleaning your windows
- your kid accidentally injures their friend during playtime and you need to pay the ambulance fees
- the home you’re renting in Mexico is damaged by an accidental fire
If someone sues you, your financial situation could be put into jeopardy without this coverage. Most people choose $1 million of liability coverage, but you can increase the amount up to $5 million under certain conditions.
Fire, theft, vandalism
This covers you in case of fire, theft or vandalism.
Fire, smoke and wildfires
FireAll-risk insurance for fire damage
All-risk insurance covers most types of accidents, like damage caused by fire, smoke and forest fires.
For example, if a chimney fire causes your house to go up in flames, you would be covered. You would also be covered for your additional living expenses (like hotel expenses) if you have to temporarily relocate so that repairs can be done.
Theft and vandalism
Theft and vandalismAll-risk insurance for theft and vandalism damage
All-risk insurance covers most types of accidents, like damage caused by theft and vandalism.
For example, if your house is burglarized and vandalized while you’re on vacation, you’d be covered for the cost of replacing or repairing the damage.
Get extra coverage for water damage caused by sewer back-up, water seepage or floods.
Accidental water leak or overflow
Accidental water leak or overflowAll-risk protection for damage caused if the water service pipe leaks or overflows (doesn't include events that happen repeatedly)
All-risk insurance covers most types of accidents, like damage caused when water accidentally leaks or overflows. However, it doesn’t cover damage that’s caused repeatedly by the same problem.
For example, if the hose to your washing machine suddenly breaks and causes damage to your home, you'll be covered.
If your water heater causes the same type of damage, the damage is also covered, as long as your water heater was not excluded from your insurance policy because it was too old.
Ground water and sewer back-up
Water Damage ─ Ground Water and Sewer Back-Up (excluding flood caused by the overflow of a body of water)Endorsement 16c
This insures you if water leaks, overflows or backs up from places like sewers and septic tanks and causes sudden and accidental damage to your property.
It also insures you if water comes into your home through places like French drains or seeps in through your windows, doors or floors.
For example, if there’s heavy rainfall, water could accumulate and seep into your home through the foundations or a basement window. You would be covered for the cost of replacing, repairing and cleaning your damaged property.
See if you have enough groundwater damage coverage for all of your property.
The deductible for this coverage may be different from the deductible in your basic policy.
Flood Caused be the Overflow of a Body of WaterEndorsement 16d
This covers sudden and accidental loss or damage caused by flooding from the overflow of bodies of water, such as:
- Rising or overflow of any watercourse, whether natural or man-made
- Dam breaks
Provided this water reaches the surface of the ground on the insured premises.
For example, if a river floods and the belongings in your basement are damaged by the water, you would be covered for the cost of repairing or replacing them (up to the amount indicated in your policy).
And if you have to leave your home because of the flooding, you would also be covered for your additional living expenses (like hotel expenses) during your temporary relocation.
The deductible for this coverage may be different from the deductible in your basic policy.
Rain, snow or sleet
Water Damage ─ Above Ground Water and Weight of Ice, Snow or SleetEndorsement 42
This covers sudden and accidental damage caused by:
- rain or snow seeping through walls, roofs, doors and windows
- water discharging, backing up or overflowing from eavestroughs of downspouts
- the weight of ice, snow or wet snow.
Learn more by reading our water damage prevention tips.
Repeated water seepage or leaks
Repeated water leaks or seepageExclusion ─ Damage caused by repeated water seepage or leaks
Your insurance only covers sudden and accidental water damage. In other words, if damage happens because you didn’t address an existing problem, it won’t be covered.
For example, the toilet on the 2nd storey of your home has been leaking for several months. One day you discover that the floor around the toilet has rotted, and that you need to replace the living room ceiling below the bathroom. These repairs would not be covered, because the damage occurred gradually due to a repeated, continuous water leak.
Storms and natural disasters
Find out how your group insurance protects you against severe weather events.
Tornados, freezing rain, hail and wind
Tornado, freezing rain, hail, wind and lightningAll-risk protection for damage caused by tornados, freezing rain, hail, wind or lightning
All-risk insurance covers most types of accidents, like sudden loss or damage caused by tornado, freezing rain, hail, strong winds or lightning.
For example, if a windstorm causes a tree branch to smash through your window, you would be covered for the damage to your window as well as damage to any nearby property.
However, if a windstorm or hailstorm causes damage outside your home to trees, shrubs, plants or your lawn, that damage is not covered.
This provides you with additional coverage if an earthquake causes damage to your property. It also covers damage by other ground movement that might be caused by an earthquake, like avalanches, landslides or subsidence.
For example, if an earthquake causes damage to your home's foundation, you would be covered for the cost of repairs.
Fire, smoke or explosion after an earthquake
Fire, Explosion and Smoke Damage Resulting From an EarthquakeEndorsement 22b
This coverage is included in a standard insurance policy. It only provides coverage for:
damage caused by an earthquake or other earth movements resulting from an earthquake, such as avalanches, landslides or subsidence.
For example, if an earthquake damages your home's electrical system and a fire breaks out, you would be covered for the cost of repairing or replacing the electrical system in your home.
Landslides, subsidence or other events
Landslides, subsidence or other eventsExclusion ─ Damage caused by a landslide, subsidence or other event
You are insured for damage caused by avalanches, landslides, subsidence or soil erosion only if these events are caused by an earthquake. If this type of damage occurs, you’ll need to check your additional insurance for Earthquake (Endorsement 22a) and Fire, Explosion and Smoke Damage Resulting From an Earthquake (Endorsement 22b) to see how much coverage you have.
Standard insurance policy never includes damage caused by tidal waves or tsunamis.
Choose coverage that recognizes the full value of your belongings.
Furniture and belongings
Personal Property (Contents)Coverage C
This coverage is included in standard home insurance policies. It insures your belongings and furniture in case something bad happens.
For example, if you don't install your bookcase correctly and it crashes into your TV, DVR and sound system, you could be covered for the entire cost of repairing and replacing them, up to the amount shown in your insurance policy.
There may be some limits on the amounts you can claim for certain items. Check your insurance policy to find out what they are! If you think they don't provide enough coverage for what your property is worth, you might be able to buy additional coverage for your more valuable property.
This coverage is included in standard insurance policies. It insures:
- your home and its installations, whether temporary or not, like fences and temporary car shelters
- materials and supplies intended to be used to renovate or repair your home and attached structures
For example, if you accidentally spill a gallon of paint on your hardwood floor, you would be covered for the cost of replacing the floor.
Garages and sheds
Detached Private Structures coverageCoverage B
This coverage is included in standard insurance policies. It insures structures that are located on the premises but not attached to your home—for example, a detached garage or a shed.
Home under construction
Home under construction or being renovatedTheft or Vandalism Occurring during Construction of Described Building ─ Endorsement 10
This coverage insures your home against theft and vandalism while it’s under construction.
For example, if your home is under construction and building materials are stolen from the premises overnight, you’ll be insured for their replacement.
Pool and spa
Above Ground of Semi-Inground Swimming Pool | Inground Swimming Pool and Hot TubEndorsement 33a | Endorsement 33b
This insures you if your swimming pool or hot tub is damaged by things like freezing temperatures or heavy ice or snow.
For example, if you discover in springtime that your swimming pool’s structure and cover were damaged by the harsh winter, you would be covered for the cost of repairing or replacing them.
Equipment, accessories, and patios or decks that lead directly to your pool or hot tub are also insured, as long as they are not attached to your home.
Defects, deterioration, and wear and tear
Defects, deterioration, and wear and tearExclusion — Gradual damage caused by defects, deterioration, or wear and tear
You're not covered for damage caused by defects, gradual deterioration or normal wear and tear of your property.
For example, if your refrigerator is 5 years old and suddenly stops working due to a mechanical failure, you wouldn't be covered for the cost of repairing or replacing it.
Property belonging to children
Personal property owned by a dependent studentCoverage for your child's belongings if they are a student
Your home insurance policy includes insurance for your child (or a dependent child) if they are a full-time student.
For example, if your son moves into a dorm in another city, your insurance policy would cover his belongings and furniture while he is a full-time student.
Learn more about other coverages your group offers and some common exclusions in a standard policy.
Home-based business and short-term rental
Business or professional activities (including farming)Coverage for business and professional activities
Standard insurance policies don’t cover business or professional activities in your home, like the activities of a home-based business, self-employed worker or hobby farm or the short-term rental of the residence.
For example, you aren’t insured for any damage to your home if you rent it out through short-term rental platforms.
We offer additional coverage options for some of these activities. Contact us for more information!
Animals and insects
Animals and InsectsExclusion ─ Damage caused by some types of animals or insects
We don’t cover damage caused by vermin, insects, birds, rodents, racoons or bats.
For example, if a racoon breaks into your shed and damages your lawnmower, you won’t be covered for the repair expenses.
Escape of Fuel OilEndorsement 46b and 46c
There are two separate coverages that can protect you if your fuel oil tank leaks or spills.
The first endorsement (46b) covers:
- your belongings
- soil decontamination
The second endorsement (46c) covers:
- your liability for unintentional damages caused to a third party, if you own the home where the spill or leak happens
Check whether you're eligible for this coverage by answering a few questions about your oil tank. Contact one of our insurance agents to add these coverages to your home insurance policy!
The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the home insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.