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RESIDENTAL INSURANCE
We work with a number of companies that enable us to provide competitive premiums and the following coverages to suit your individual needs:
- Homeowners
- Condominium
- Tenants
- Personal Umbrella
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- Home Business
- Seasonal Dwellings
- Rental Properties
- Travel Insurance
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For further premium reductions listed below are a few of the discounts we have available:
- Premises Alarm
- Valued/Preferred Customer
- Mature Homeowner
- Mortgage Free
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- Claims Free
- Multiple Policy
- New Home
- Neighborhood Watch
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Below is a chart that outlines the many perils/hazards insured under the Homeowners, Tenants and Condominium policies.
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Comp. |
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Fire or Lightning
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| Includes scorching |
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Explosion
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| Includes water hammer |
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Smoke
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| Includes fireplace |
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Falling Object
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Impact by Aircraft, Spacecraft or Land Vehicles
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| Includes vehicles owned and operated by Insured |
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Riot
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Vandalism or Malicious Acts
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| Includes while under construction |
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| Includes vacancy up to 30 days |
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Water Damage (excludes sewer backup)
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Windstorm or Hail
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| Includes outdoor radio, TV antennae and satellite receivers |
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Glass Breakage
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| Includes while under construction |
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| Includes vacancy up to 30 days |
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| Includes damage to personal property |
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Theft, including Damage caused by
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| Theft or Attempted Theft |
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| Escape of Fuel Oil |
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Collapse, including Weight of Ice, Snow, Sleet
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| Mysterious Disappearance |
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All property policies provide coverage on personal property. Some items have special limits of insurance that may be increased if necessary by the following floaters:
- Computers
- Bicycles
- Fine Arts
- Personal Effects
- Scheduled Personal Articles
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- Cameras
- Furs
- Firearms
- Jewellery
- Gold Bullion
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- Sports Equipment
- Watercraft
- Trailers
- Securities
- Silverware
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Personal Liability
This portion of your policy applies to bodily injury you may unintentionally inflict on others in your home or anywhere in the world. Legal defence costs, if there is a potential for a liability claim against you, are in addition to policy limits. We recommend that you carry a minimum of $1,000,000 limit of liability. Higher limits are available at minimal cost.
If you own recreational items, coverage is extended only to the following:
- Trailers, except when attached to a motor vehicle
- Small watercraft up to 16 hp. with outboard motors, otherwise 50 hp.
- Sailboats up to 26 ft. long
- Golf carts on a golf course
- Self-propelled lawnmowers, snow blowers, garden tractors up to 25 hp. maximum
- Motorized wheelchairs (3 wheels minimum)
Check your policy for exact limits.
For further information please contact Anna at 905-760-7466 or anna.baginski@lyonbutler.com .
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