The structure and replacement cost
Discuss how much rebuilding protection is proposed and how the estimate was determined. Market value and rebuilding cost are not the same measure.
HOME INSURANCE
Think beyond the walls.
A home policy can involve the property, your belongings and your liability. Review each part separately.
Belongings and special limits
Ask how personal property claims are valued and whether jewellery, collections or other high-value items have separate limits.
Living expenses after a loss
Some policies include qualifying additional living expenses after a covered event. Confirm the limits, duration and conditions.
Exclusions and separate coverage
Flood, earthquake and other risks may be excluded or require separate arrangements. Ask about hazards relevant to the property rather than assuming all damage is covered.
Coverage descriptions are general. Actual terms, exclusions, eligibility and limits are set out in the issuing insurer’s policy documents. A conversation does not bind coverage.
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