Dwelling Coverage

Dwelling coverage is the cornerstone of any homeowner insurance policy, providing essential protection for the structure of your home. This coverage safeguards your house against a variety of risks, including fire, theft, vandalism, and certain natural disasters. Additionally, liability coverage extends to personal liability incidents that occur away from home, offering you comprehensive liability protection wherever you go.

Key features:

  • Comprehensive Protection: Covers damage from fire, windstorms, hail, theft, and vandalism.
  • Replacement Cost Coverage: Ensures you can rebuild your home to its original state.
  • Extended Coverage: Option to include additional protection for unique home features.
  • Outbuilding Protection: Covers attached structures such as garages and decks.
  • Personal Liability: Provides protection against legal and financial responsibility for injuries or property damage occurring both on and off your premises.

Personal Property Coverage

Personal Property Coverage is designed to protect your belongings inside your home. This coverage ensures that your personal items, such as furniture, electronics, clothing, and other valuables, are safeguarded against risks like theft, fire, and vandalism. With Personal Property Coverage, you can rest assured that your possessions are covered, allowing you to replace them in the event of damage or loss.

  • Broad Protection: Covers a wide range of personal items against theft, fire, and other risks.
  • Replacement Cost: Provides funds to replace your belongings at current market value.
  • Off-Premises Coverage: Protects personal property even when it’s outside your home.
  • Valuable Items Coverage: Offers additional protection for high-value items such as jewelry and collectibles.

Liability Coverage

Liability Coverage is a crucial component of your homeowner insurance, providing protection against legal and financial responsibility if someone is injured or their property is damaged while on your premises. This coverage helps cover medical expenses, legal fees, and any awarded damages, ensuring that an unexpected incident doesn’t jeopardize your financial stability. With Liability Coverage, you can confidently welcome guests, knowing you are protected against unforeseen accidents.

  • Medical Payments: Covers medical expenses for guests injured on your property.
  • Legal Defense: Provides for legal fees and court costs if you are sued.
  • Personal Injury Protection: Protects against claims of slander, libel, or defamation.
  • Property Damage: Covers accidental damage to someone else’s property caused by you or your family members.

Detached Structures

Detached Structures Coverage provides essential protection for additional structures on your property that are not attached to your main home. This includes garages, sheds, fences, and other outbuildings. With this coverage, you can ensure that all parts of your property are safeguarded against risks such as fire, theft, and vandalism, allowing you to maintain the integrity and value of your entire property.

    Additional Living Expense

    Additional Living Expenses (ALE) Coverage is designed to support you financially if your home becomes uninhabitable due to a covered loss. This coverage helps pay for temporary living costs, such as hotel stays, restaurant meals, and other necessary expenses, while your home is being repaired or rebuilt. With ALE Coverage, you can maintain your standard of living without worrying about the extra costs associated with displacement.

    • Temporary Housing: Covers the cost of hotel stays or rental properties while your home is being repaired.
    • Meal Expenses: Reimburses you for additional dining costs incurred during your displacement.
    • Moving and Storage: Provides funds for moving and storing your belongings if needed.
    • Comprehensive Support: Ensures that you can maintain your lifestyle and comfort during the repair or rebuilding process.

    Experience You Can Trust

    At Axis Insurance, we recognize the unique challenges and rewards of owning a home in Canada. From urban centers to rural landscapes, we understand that each homeowner’s insurance needs are as diverse as the country itself. Since 1928, we’ve been committed to providing tailored personal insurance solutions that protect your sanctuary. Our expertise ensures that regardless of your location or needs, we deliver precise and personalized coverage at competitive prices, giving you peace of mind and safeguarding your home.

    Our Personal Insurance Team