- Brick veneer
- This is one of the materials used in home construction. The construction type of your property to determines your rates. Generally, if your home is of a more solid construction like brick or brick veneer, the lower your insurance rates. This is because these materials are less combustible than other building materials.
- Building coverage
- For homeowners only, building coverage protects the structure of your home, not your contents inside.
- Sewer back up option
- A regular property policy covers you for any damages caused by a "sudden, accidental discharge of water in your home." This includes coverage for freezing pipes and the overflow of water from public water mains carrying drinking water (e.g. a bathtub overflow). If you wish to be covered for damages caused by the back up of sewers, septic tanks, eavestroughs or downspouts, you should purchase the Sewer back up option.
- Solid brick
- Solid brick is one of the materials used for home construction. Insurance companies use the construction type of your property to determine your rates. Generally, if your home is of a more solid construction like brick or brick veneer, the lower your insurance rates. This is because these materials are less combustible than other building materials.