Your Property policy will cover your possessions, but did you know...

That items such as jewellery, numismatic property, collections, silverware, monies, securities, watercraft, antiques and bicycles as well as other items are limited as to values. These amounts may be increased by insuring these items separately.

Due to inflation, a review of your building coverages is recommended to ensure that you are adequately protected.

Any auxiliary heating systems in the dwelling, e.g woodburning stoves, must be noted on your policy. coverage could be affected if the company is not notified.

Your policy may limit or exclude claims arising from any type of business operated from your residence.

You should notify your broker or agent of any changes in your policy.

Computers and antiques are insured on an actual cash value basis and not on a replacement cost basis.

The company has mailed refund-from-surplus cheques to qualifying policyholders for the past 8 consecutive years, totalling in excess of $1,475,000. Amounts returned are based on property premiums paid and have ranged from 10% to 20% of annual premiums.

A nice suprise in the mailbox and one of the many advantages of insuring with a Mutual Company, where the policyholders are all the shareholders.

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