Our Rental Dwelling Policy includes these coverages on your insured property and your personal liability all subject to policy limits:

Fire Lightning Falling Objects Insured Property Damaged by Vehicles Scorched Surface Chipping of Sink Explosion Windstorm, Hail Smoke Collapse of Building caused by perils Paint Spill Damage to Trees, Shrubs and lawns caused by certain perils Building glass breakage Riot or civil commotion Some types of water damage Falling objects within dwelling Vandalism or malicious mischief

Weight of ice or snow or sleet Freezing of plumbing system Aircraft Certain building damage Backing up of ice or snow under shingles Tearing or bulging of water heating appliances Water escape from plumbing, heating, air conditioning systems or household appliances Moisture damage caused by malfunctioning thermostat Siding damaged by missiles Business liability Medical payments (other than to insured and tenants) Cost of defending covered suits (whether you are liable or not) and many other losses not specifically excluded.

Following an insured loss this coverage provides reimbursement for the actual rent loss sustained for up to 12 months.

Increased Limits

To meet your individual needs, increased limits are available for:

• Other structures
• Business liability
• Personal property
• Premises medical payments

Replacement Cost Dwelling Coverage (Optional)

There is no deduction for depreciation if your dwelling is repaired or replaced following a loss.

Inflation Coverage

This automatically adjusts the amount of coverage on the dwelling and personal property to offset the effects of inflation. The changes are based on the movement of an inflation index and are reflected in the premium on each renewal.

Additional Coverages

Your Rental Dwelling Policy includes coverage for:

• Debris removal — Covers reasonable expense to remove damaged property following a covered loss.
• Temporary Repairs — Covers temporary repairs incurred to protect covered property from further damage.
• Credit Card, Bank Fund Transfer Card, Forgery and Counterfeit Money
• Refrigerated Products - Covers loss to the contents of an on premises refrigerator or freezer resulting from power or mechanical failure.
• Locks - Pays to re-key the exterior locks to your home if your keys are stolen in conjunction with the theft or other insured property.
• Sewer Backup - May cover building and property for losses caused by water which backs up through sewers, drains or sump pump system unless caused by your negligence.
• Trees, Shrubs and Other Outdoor Plants
• Fire Department Service Charge
• Property Removed — Endangered property is covered for up to 30 days at a different location.
• Arson Reward
• Land - Replace, stabilize or restore land when necessary to support the dwelling following a covered loss.
• (Earthquake coverage is available for an additional premium)
• Claim Expenses - This includes expenses we may incur in defending a lawsuit brought against you for damages covered under the policy.
• First Aid Expenses - Provides for first aid expenses for people other than an insured for bodily injury covered by the policy.
• Damage to property of others

(All Subject to Policy Limits)

Losses Not Insured

While the Rental Dwelling policy provides comprehensive coverage, it does not provide coverage for every loss.

Examples of losses not insured include:

• Water damage caused by flood or underground water.
• Earth Movement, such as earthquake or landslide.
• Damage caused by settling, deterioration, contamination or nuclear hazard.
• Damage caused by birds, vermin, insects or domestic animals.
• Liability Losses resulting from professional liability or intentional injury to others.
• Providing or not providing professional services
• Ownership, operation, use, or maintenance of aircraft, motor vehicles and certain watercraft.

Loss Settlement Provisions

Personal Property:

Limited Replacement Cost Loss Settlement - Provides payment based on the cost to repair or replace the damaged property at the time of the loss, if actually replaced.

Depreciated Loss Settlement - Provides payment based on the cost to repair or replace the damaged property less depreciation at the time of loss.

Complete an inventory form with photographs or video tapes of the contents of each room and store it in a safe place away from your dwelling. Should a loss occur, it will help you determine what was damaged or stolen and its value.

Home Owner's Insurance | Fire Insurance | Auto Insurance | Life Insurance

Condo/Renter's | Business/Home Based | Cottage/Recreational | Disability/Critical Illness