Nearest broker: Searching for a broker nearby…
Nearest broker: Tweed Phone: (613) 478-2532 Sunderland Phone: (705) 357-3916 Sudbury Phone: (705) 523-2030 Penetanguishene Phone: (705) 549-7437 Ottawa Phone: (613) 733-3312 Parry Sound Phone: (705) 746-2441 Orillia Phone: (705) 325-4234 Kemptville Phone: (613) 258-5991 Eganville Phone: (800) 884-1045 Petawawa Phone: (613) 687-4805 Belleville Phone: (800) 361-0941 Winchester Phone: (800) 487-3706 Wellington Phone: (613) 399-3620 Trenton Phone: (877) 455-0299 Prescott Phone: (877) 504-3569 Picton Phone: (888) 475-2776 Peterborough Phone: (800) 958 2270 Perth Phone: (877) 248-1222 Pembroke Phone: (877) 399-3299 Oshawa Phone: (800) 887-7309 North Bay Phone: (705) 475-0001 Napanee Phone: (613) 354-2152 Morrisburg Phone: (800) 806-0746 Midland Phone: (888) 737-6465 Madoc Phone: (613) 473-5266 Kingston Phone: (800) 590-5422 Gananoque Phone: (800) 932-2131 Embrun Phone: (866) 853-4740 Cornwall Phone: (844) 463-3616 Cobourg Phone: (800) 895-5902 Carleton Place Phone: (888) 237-9517 Brockville Phone: (888) 345-8663 Brighton Phone: (613) 475-1430 Barry’s Bay Phone: (866) 845-2123 Barrie Phone: (705) 726-3350 Bancroft Phone: (800) 994-0036 Arnprior Phone: (800) 668-7337
Get a Quote
Open Menu
Woman looks at sweater in her home deciding what to insure

10 surprising things that are covered by home insurance

This article was originally posted on

Your home insurance Quotes is designed to protect you and your property in all kinds of emergencies, from fires and floods to theft and vandalism — but you might be surprised to learn that these 10 things are covered in most standard home insurance policies:

1) Your stuff — even when it’s not at home.

Whether you’re trekking across Europe and someone steals your suitcase or a thief breaks into your car and makes off with your gym bag and brand new hockey gear, your home insurance policy usually covers your stuff when it’s temporarily away from your home (even if it’s in your car).

2) Your kids’ stuff when they’re away at school.

Some home insurance policies are designed to protect students’ belongings when they’re living away from home while attending college or university. Before you move your child away to school, review your insurance policy or talk to your broker to find out if your coverage will extend to your kids — and if it doesn’t, consider getting them their own tenant insurance policy to make sure they have the protection they need.

3) Your parents’ stuff when they’re living in a nursing home or assisted living facility.

If your mom or dad lives in a long-term care facility (like a retirement home or a nursing home) and is dependent on you for support, their belongings are covered by your home insurance Ontario policy.

4) Your garden shed or detached garage (and the stuff inside it).

Home insurance policies include coverage for “detached private structures” like sheds and garages, usually as a percentage of your policy’s total building limit. For example, if your policy’s total limit for building coverage is $300,000 and your limit for detached private structures is 10% of that, then the total limit for all of your detached structures is $30,000.

5) Outdoor trees, lawns, shrubs, and plants on your property. 

These living landscaping elements are generally covered for some types of damage or theft, up to a certain percentage of your policy’s total building limit.

6) Identity theft. 

Many home insurance and tenant insurance policies include coverage for some of the expenses that tend to follow identity theft, like legal fees, the cost of sending certified mail, and lost wages for days you had to skip out on work to deal with the issue.

7) Rewards for tips that lead to arrests.

Your insurance policy may include coverage for rewards for people who provide information that helps lead to the arrest or conviction of someone who has broken into your home, stolen your stuff, or caused damage to your property (by setting a fire, for example).

8) Liability coverage for volunteering.

Your liability coverage is extended during your efforts as a volunteer — so you’ll be protected if you accidentally break something or injure another volunteer while you’re serving soup at your local shelter.

9) Liability coverage for your kids. 

Your liability coverage extends to your children, meaning you won’t be on the hook financially if your kid throws a baseball and accidentally breaks your neighbour’s window.

10) Additional living expenses.

Home insurance policies include Additional Living Expenses coverage to help with out-of-pocket expenses like food, alternate living arrangements, and even loss of rental property income when you’re forced to leave home because of an insured event or government-ordered evacuation.

While these 10 coverages are included in most standard home insurance and tenant insurance policies, every policy and insurance company is unique. To find out what specific coverages are included in your own policy, you’ll need to review your policy documents or get in touch with a licensed insurance broker. If you’re shopping for home insurance and want to make sure you get the best coverage to suit your needs, contact us today.

Which of these coverages surprised you the most? Share on Facebook or Twitter.

No comments found.
Anonymous User

Leave a Reply

Your email address will not be published. Required fields are marked *


You Might Want to Read

Meet the Dougallers: Conor Hache
Stepping up next to the tee block, he hails from Prince Edward County, he’s a two time Club Champion at Bay of Quinte Golf and...
Welcome M.B. Kouri Insurance Brokers to the McDougall Insurance Team!
We are thrilled to announce that we have merged with M.B. Kouri Insurance Brokers Ltd. in Tamworth, Ontario! As of November 1st, 2023 we have...
Why You Should Get Homeowners Builders Risk Insurance
Owning a home is a huge responsibility and investment, that’s why you have to be responsible when it comes to protecting it. And if you’re...
Request a Free Quote

It’s simple and won’t take long.

Get a Quote800-361-0941

Person standing, looking down at laptop