Make sure you have the coverage you need.

AUTO

AUTO CLAIM ADVANTAGE
Will waive the physical damage deductible in the event of a total loss or hit and run.

CONVICTION PROTECTOR
This keeps your conviction-free discount in the event of a minor traffic violation.

CREDIT CONSENT
You could be eligible to receive a discount on your auto policy by giving consent to obtain your personal credit score.

DRIVING RECORD PROTECTOR (One free accident)
Will save you premium in the unfortunate incident that you have an at-fault accident.  This endorsement can be added to your policy to insure your perfect driving record and claims-free discount.

EMERGENCY SERVICE EXPENSE
Provides for towing and emergency service expense if the insured vehicle is disabled.

INCREASED LIMITS
Liability settlement amounts continue to grow, and although your broker can advise you on limits, the decision is yours to choose a limit you can afford.

LEGAL LIABILITY FOR DAMAGE TO NON-OWNED AUTOMOBILES
Extend coverage for legal liability for loss of damage arising from the care, custody or control of any automobile not owned by the insured.

LOSS OF USE (SEF 20)
Your insurer can reimburse the cost of reasonable transportation in the event your vehicle is disabled due to a covered physical damage claim.

MATERIAL CHANGE
If a “material change” arises during the policy period, this must be reported to our office immediately.  Failure to do so may result in voiding the insurance policy involved.  A material change is something important enough to change the original agreement between the insurance company and the policy holder.  A prime example is when there is a newly licensed driver in the household.

MULTI-LINE DISCOUNTS
Keeping your home and auto together can earn you discounts.

REPLACEMENT COST SETTLEMENT
On qualifying new vehicles, most insurers offer limited replacement cost to avoid painful depreciation in the event of an accident.

REWARDS FOR SAFE DRIVING HABITS
A reward that could save you premium if you have safe driving habits.

TELEMATICS (Usage Based Insurance)
Some insurers use telematics to monitor the key risk factors associated with driving a car.  If you exhibit better driving habits or improve your driving behaviour, you can potentially save on insurance premiums.

WINTER TIRES
You could be eligible for a discount if you install winter tires on your vehicle.

PROPERTY

ABOVE GROUND SWIMMING POOLS
Due to the nature of above ground swimming pools and our climate, they can be subject to a collapse resulting in major damage. Recent changes by many insurers have reduced or eliminated coverage for this type of loss.

BY-LAWS COVERAGE
Following a loss, additional costs may result in order to comply with regional by-laws.  This coverage may not be automatically provided by your insurer.

CLAIM FREE PROTECTOR
This will provide protection against premium effects as a result of a first claim.

COMPREHENSIVE POLICIES
Most insurers now offer enhanced coverage packages known as Comprehensive Policies. These industry-leading packages provide enhanced coverage with high internal limits to broaden your insurance protection.

COVERED SERVICE LINES
This will cover the cost to repair or replace underground service lines such as your sewer line from the street to your house.

CREDIT SCORE
You could be eligible to receive a discount on your property policy by giving consent to obtain your personal credit score.

EARTHQUAKE
This provides coverage for direct physical loss or damage caused by earthquake shock.

GROUND WATER
Covers property damage caused by the sudden and accidental entrance of ground water into the premises below ground level.

HOME UPDATE/UPGRADES
Changes and betterments to your home can affect the rate you pay: Things such as a new roof, updating your wiring or plumbing, new heating sources or paying off your mortgage can affect your rate. Please let us know to ensure you are getting the best rate

IS YOUR HOME INSURED TO VALUE?
Ensuring that your policy limit accurately reflects the current value of your home is essential to guarantee that you are adequately covered for a potential loss. Over time, upgrades to your home may increase its value so it is important to review your policy limits with your broker to make sure you are insured to value.

IDENTITY FRAUD EXPENSES
Provides coverage for those expenses that a person is most likely to incur in their efforts to restore the accuracy of their identifying information.

INSURE YOUR VALUABLES
Your insurance policy contains special limits for items that can be theft targets such as jewelry, stamp collections, furs, watercraft, cameras and other valuable items.  We strongly recommend special “valued” protection for these items.  Riders can be added to your policy which will provide broader coverage and higher limits.

MATERIAL CHANGE
If a “material change” arises during the policy period, this must be reported to our office immediately.  Failure to do so may result in voiding the insurance policy involved.  A material change is something important enough to change the original agreement between the insurance company and the policy holder.  A prime example is that when the dwelling becomes vacant or unoccupied, coverage then becomes reduced or void.  Other examples include, but are not limited to: a new driver, auxiliary heat source, renovations, etc.

MULTI-POLICY DISCOUNT
Keeping your home and auto together can earn you discounts.

OVERLAND WATER (Not Flood Coverage)
Overland Water is defined as fresh water from rivers, lakes (including the Bras d’Or Lakes) or water suddenly accumulated as a result of heavy rainfall.  Flood refers to coastal flooding from salt water.  This covers property damage caused by the sudden and accidental entrance of water that flows over land, entering your property above the surface of the ground.

OIL TANKS
We encourage homeowners to check their tanks regularly for signs of deterioration, damage or leakage.  Age requirements differ with each insurance company.  Coverage can vary whether the location is a primary, rental or seasonal residence.

PERSONAL CYBER COVERAGE
This offers protection against cyber attack, cyber extortion, online fraud and data breach.

SEWER BACKUP COVERAGE (Including Water Damage Extension)
Water damage is the leading cause of property damage in Canada and not all water damage may be covered under your policy.  This covers property damage caused by sudden and accidental back up or escape of water or sewage from a sewer, septic, sump or drain.