General description of protection*
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| Home | All perils | All perils | All perils | All perils | Designated risks | Designated risks, limited coverage |
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| Property | All perils | All perils | All perils | Designated risks | Designated risks | Designated risks, limited coverage |
| Replacement value | Included - No obligation to rebuild or replace property | Included | Included | Included | Included | Not offered |
| Property temporarily outside your home | 100% of insured amount | 100% of insured amount | 100% of insured amount | 100% of insured amount | 100% of insured amount | Excluded |
| Additional cost of reconstruction due to by-laws | Included | Included | Excluded | Excluded | Excluded | Excluded |
| Mysterious disappearance | Included | Included | Excluded | Excluded | Excluded | Excluded |
*Subject to the exclusions and limitations of the policy. Coverage limitations may vary in Québec.