- Schedule
- When you want to list specific belongings on your insurance policy, you "schedule" them. This means you provide a special list of high value items and their exact worth, so that you can set limits that are higher than the standard policy limit or establish an agreed value of a certain item. This can make things a lot easier if you have a claim. Scheduling items on your policy does usually increase your premiums. When you schedule items you often have to include an appraisal or a receipt of purchase. People often schedule works of art or expensive jewellery.
- Semi-detached home
- A semi-detached home is a unit where one of the walls is shared by only one another person's residence. We use your type of property to determine your rates.
- 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.