Your home is the most valuable asset you will ever own. It is vital to make sure it is protected. Our knowledgeable staff at Ottawa Real Estate in Moose Jaw will help you customize a policy to meet your specific needs and ensure your home and belongings are properly covered for both your family’s well being and your own peace of mind. By purchasing a Home Insurance Policy you can acquire the following advantages:
- Age/loyalty discount
- Claims free discount
- New home discount (15 years or newer)
- Home security discount
- Location discounts
- $500 or higher deductibles (higher deductibles give you discounts)
- Increases liability from $1,000,000 to $5,000,000 and optional Umbrella for up to $10,000,000
- Coverage if sewer backup occurs (optional)
- Home Owners Guarantee (guaranteed replacement cost of your home) with debris removal coverage for homes built in 1960 to date
- Certain updates made to your home may get you cheaper rates (depending on the updates)
- Extremely renovated homes may qualify for the home owners guarantee coverage if built prior to 1960
- Builders risk policies for your new home under construction
- Policies to cover your rental properties or seasonal home
Prestige
If your house is covered for $350,000 or more and it 35 years or newer you could be eligible for Prestige coverage. Prestige gives you:
· Lifestyle Coverage options allows you to tailor your insurance to your specific lifestyle.
- Life Style Option A: Home Business Owner
- Life Style Option B: Collectibles & Treasures Protection
- Life Style Option C: Family & Security
- Life Style Option D: Recreational Protection
- Priority claims service – 24 hours a day!
- Home Systems Protection – Higher Limits
- Home Owner’s Guarantee Coverage
- Higher Limits on Property with specific amounts of protection
- $3 million in personal liability
- Roof Snow Removal up to $1000 following a claim caused by ice damn
- Single Amount of Protection is 150% of the coverage of your home
- Removes the Obsolesces clause from your policy (ex. You have hail damage to a portion of your roof and your shingles are no longer made – SGI will replace your whole roof to match)
Service Line Coverage – When damage occurs on your property this coverage will cover cost associated with repairs to underground pipes and wiring from the street to your house.
Home System Protection – Covers replacement or repairs when home systems, equipment & Major appliances have a sudden or accidental breakdown (Ex. Furnace, Air Conditioning, Electrical, Home Automation System, Appliances, etc.)
Legal Expense Insurance – is on all Home types of Home insurance Pak’s including Tenant, Condo & Agro Pak’s. It will cover you when unexpected legal issues arise by paying legal costs to pursue or defend your legal rights for:
- Contract disputes
- Property protection
- Employment disputes
- Bodily injury
- Tax protection
- Employee legal defence
- Automobile contract dispute
Water Coverage – With water protection coverage you are covered for:
- Surface Water – water on the surface where it doesn’t usually build up under ordinary circumstances such as heavy rainfall or rapid snowfall
- Flood – the rising of, breaking out or overflow of any body of water, or watercourse, whether natural or man-made
- Ground Water – water in the soil beneath the surface of the ground, only covered when in conjunction with sudden or accidental and linked to flood or surface water event
- Sewer back up – Water or sewage overflows backs up or escapes from the sewer, sump or septic tank