Home Coverage

Your Personal Insurance Policy, Wawanesa’s home coverage package, offers protection for the following:

Home, Mobile Home and Related Structures

  • Household contents and personal property (either Broad Named Perils or All Risk Protection)
  • Personal liability protection
  • All Risk Coverage for your home and structures on your property

Condominium Unit Owners

  • Household contents, personal belongings, private dwelling unit improvements and personal liability
  • Additional protection for a unit in the event of inadequate building insurance in the Corporation policy
  • Coverage for special assessments such as a deductible assessment by the Condominium Corporation


  • Household contents, personal property, private dwelling unit improvements and personal liability

Additional Coverages:

  • Additional Living Expenses
  • Built-in Inflation Protection
  • Condominium Unit Owners Improvements
  • Credit Card, Bank Card Coverage
  • Fire Department Charges
  • Home Freezer & Food Spoilage Coverage
  • Identity Fraud Expense Coverage
  • Replacement Cost Contents

Optional Coverages**

  • All Risk Boats and Motors
  • All Risk coverage for Computer Equipment
  • All Risk Fine Arts
  • All Risk Scheduled Items (i.e. jewellery, furs)
  • Earthquake Coverage
  • Guaranteed Replacement Cost on Building
  • Home Business Coverage
  • Home Day Care Coverage
  • Home Equipment Breakdown
  • Increased Liability Limits
  • Limited Sewer Backup Coverage
  • Personal Cyber Protection
  • Secondary and Seasonal Residences
  • Service Line Coverage
  • Short Term Rental Coverage
  • Special Limits Enhancement*
  • Water Defence Coverage

* Available on qualifying risks
** Some coverages may not be available in all areas.

Please contact your Insurance Broker to help you choose the best coverage and additional options to suit your needs.

Home Insurance Tips

  • If you choose to make significant changes or additions to your property, notify your Insurance Broker. Full disclosure of all details of the risk is needed in order for your insurance to be effective.

  • If you decide to use your property for commercial purposes, full disclosure of all details is necessary. Additional coverage will be required to handle the additional exposure of a commercial operation.

Learn more about Wawanesa's products

Your Insurance Broker can provide details on the Wawanesa products and services best suited to your needs.

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