Let’s start with a little bit about home insurance and why you would need it.
Whether you own a home or a condo, or you’re a tenant, the place you live is an investment. From the building itself to all your possessions inside of it. Home insurance is there to help financially protect you if something unexpected happens and you have to pay for damage and repairs to your home and/or its contents.
At TD Insurance, we put together different home insurance packages to suit different types of needs. There are standard home coverages that include the building (if applicable), contents (your belongings), personal liability (if you're held responsible for unintentional injury or damage to other people or their property) and additional living expenses. Additional living expenses may be covered if you’re unable to stay in your home in the event something happens you are covered for such as fire or flood, until you can move back in or if you’re renting, until you find another place to live. On top of these coverages, there are more specialized add-ons (also referred to as endorsements). Depending on your needs, you get a customized policy that directly correlates to your home and what you’re looking for. Home insurance helps you feel confident, knowing your home is properly protected.
Below are some typical questions we get asked. These examples will help you understand what’s covered with TD Insurance and what coverage you can add on. From your new laptop, mobile phone or tablet to a new bike or an addition to your art collection - let’s look at what’s covered and what type of coverage would be available in each of the different questions below.