Home Insurance
Liability and Property Coverage for Homeowners

                                                                           
For most people, buying a house is the biggest investment they'll ever make. We can tailor make a home policy to provide the kind of protection you need for your home, outbuildings, belongings and personal liability. Even the most careful and cautious homeowner is at risk for fire, burglary, theft and vandalism.
We can help you choose the product that best meets your needs...

      
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Protection and service in one package
An SGI CANADA Home Pak can provide the protection you need for your home, outbuildings, belongings and personal liability. SGI CANADA offers the following Home Pak options to meet your needs and protect the assets you've worked hard to accumulate.

Home Pak A
Home Pak A protects your home, outbuildings and belongings against loss or damage resulting from:
Home Pak I
In addition to the coverage provided by Home Pak A, with Home Pak I you receive added protection for:
Home Pak B
In addition to the coverage provided by Home Pak I, with Home Pak B you receive comprehensive coverage for your home and outbuildings. Belongings are covered the same as Home Pak l. Your home will be safe from all the risks covered by Home Pak I, plus other misfortunes. For example, if you're rearranging furniture and accidentally damage a wall, Home Pak B covers the damage. It also protects you if an accidental paint spill damages your wall-to-wall carpeting.

Home Pak II
In addition to the coverage provided by Home Pak I, with Home Pak II you receive comprehensive coverage for your belongings. Your home and outbuildings are covered the same as Home Pak l. Your belongings will be safe from all the risks covered by Home Pak I, plus most other misfortunes. For example, if an airline misplaces your luggage, Home Pak II will cover your loss, whereas Home Pak A, I and B won't.

Home Pak III
Home Pak III provides the coverage offered by our other Home Paks, plus more. It's the most comprehensive coverage you can buy to protect your home, outbuildings and belongings.

Prestige Home Pak
Prestige home insurance offers you protection for your higher-valued home and choice to tailor coverage to meet your needs. Whether you are a home business owner or a specialty items collector or a savvy investor or buy toys for recreation, Prestige has the right coverage for you. All Prestige home insurance policies include the following coverage:
Important Features
The following features are included in all SGI CANADA Home Paks - at no additional cost. Replacement cost coverage This coverage protects your home, outbuildings and belongings for replacement cost at today's prices, not depreciated values (some limitations may apply).
With an SGI CANADA Home Pak, you're also protected against:
Ask us to explain the limits and conditions provided by the policy.

Personal Liability Coverage
This coverage protects you in case you're found legally responsible for bodily injury to someone else or for damage to their property. All SGI CANADA Home Paks include a basic $1 million limit in personal liability coverage. Coverage provided includes:
Ask us about options for increased amounts of protection and important extensions of your personal liability coverage for other property you may own, such as seasonal residences or watercraft.
For additional coverage, please consider an SGI CANADA Personal Liability Umbrella insurance policy.

Legal Expense Insurance
This coverage empowers you when you are faced with unexpected legal issues by paying your legal costs to pursue or defend your legal rights for:
Receive UNLIMITED access to our free telephone legal advice helpline. You can speak with a lawyer to receive general legal advice for any legal questions you have, whether or not it is included in your coverage.
Legal Advice Helpline 1-855-953-1430

Options to Meet Your Needs

Home Systems Protection
Home Systems Protection covers repairs or replacement when home systems, equipment and major appliances break down. For example: If your furnace breaks down or your home entertainment system stops working, you'd have insurance to pay for the cost to replace it. This insurance coverage is meant to protect you from surprise expenses you may not expect - but could happen at anytime. Home systems are not typically covered under a basic home insurance policy.

Service Line Coverage
Service Line Coverage covers the costs associated with repairs to underground pipes and wiring from the property line to your house when damage occurs on your property. For example: If a pipe bursts or is blocked by tree roots, you'd have insurance to pay for the cost to dig up your yard, make repairs and replace your landscaping. This insurance coverage is meant to protect you from surprise expenses you may not expect - but could happen at anytime. Service lines are not typically covered under a basic home insurance policy.

Identity Theft Coverage
A basic amount of coverage is provided for the reimbursement of expenses related to identity theft. You can choose to increase the basic amount of coverage for an additional premium charge.

Homeowner's Guarantee
When you qualify for this option, SGI CANADA will guarantee repair or replacement of your home and outbuildings on their original site with materials of similar type and quality - even if the cost is more than the amount of your insurance coverage. You're also entitled to receive up to 100% of the amount your
home is insured for to cover your belongings, increased living expenses, loss of rental income and mass evacuation costs (your single amount of protection). As well, if you're forced to remortgage due to your loss, SGI CANADA will cover any difference between your old and new interest rates for the remaining mortgage term. You're also covered for the extra expense of rebuilding to meet current building codes, as long as local laws allow you to rebuild at the same location.

Increased Limits Coverage
This option allows you to increase limits of insurance for property with specific amounts of protection, such as jewellery. It also provides $3 million in personal liability coverage as well as enhanced limits for voluntary medical and voluntary property damage payments. Eligibility requirements apply.

Glass Deductible Buydown Option
For a small additional premium, you can reduce your deductible for glass breakage to $25. This option is only available for Home Paks I, B, II or III.

Sewer Back Up Coverage
This coverage is available for an additional premium (subject to restrictions).

Voluntary Fire Fighting Coverage
This coverage is available for an additional premium.

Special Belongings Coverage
You may require extra protection on special items like furs, jewellery, fine art, coin and stamp collections, musical instruments and bicycles.

Watercraft and All-Terrain Vehicle Coverage
Boats, motors, personal watercraft, all-terrain vehicles and their equipment can also be protected.

Seasonal Home and Secondary Residence Coverage
You can add protection for your seasonal home, secondary residence and belongings to your SGI CANADA Home Pak. Guaranteed replacement cost coverage is available at no additional charge on only your seasonal home (subject to restrictions).

Rental Home Coverage
This option allows you to add protection for up to 10 rental homes you own and rent to others (limitations or restrictions may apply).

Home Pak Highlights include:
Premium Discounts
You may be eligible for a premium discount if:
This is a general description of the coverages provided. Actual policy conditions govern. For a complete list of Home Insurance options, policies and prices give us a call.


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