Page 1 of 52
Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
MILLION DOLLAR SOLUTION®
This endorsement amends the insurance policy to which it is attached. It applies only to locations for
which a specific mention is written on the Coverage Summary page.
Words and expressions in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Amount of Insurance
We will pay a maximum amount of $1,000,000 for all loss or damage under Section I - Property Damage
Coverages*, includin
g the Extensions of Coverage.
* This section describes the insurance on your dwelling building, detached private structures, personal property,
and additional living expenses.
Limitation of Amount Payable for Barns and Stables
We will pay a maximum amount of $75,000 per occurrence for all barns and stables.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
$2 – MILLION SOLUTION®
This endorsement amends the insurance policy to which it is attached. It applies only to locations for
which a specific mention is written on the Coverage Summary page.
Words and expressions in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Amount of Insurance
We will pay a maximum amount of $2,000,000 for all loss or damage under Section I - Property Damage
Coverages*, inclu
ding the Extensions of Coverage.
* This section describes the insurance on your dwelling building, detached private structures, personal property,
and additional living expenses.
Limitation of Amount Payable for Barns and Stables
We will pay a maximum amount of $75,000 per occurrence for all barns and stables.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
$3 – MILLION SOLUTION™
This endorsement amends the insurance policy to which it is attached. It applies only to locations for
which a specific mention is written on the Coverage Summary page.
Words and expressions in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Amount of Insurance
We will pay a maximum amount of $3,000,000 for all loss or damage under Section I - Property Damage
Coverages*, includ
ing the Extensions of Coverage.
* This section describes the insurance on your dwelling building, detached private structures, personal property,
and additional living expenses.
Limitation of Amount Payable for Barns and Stables
We will pay a maximum amount of $75,000 per occurrence for all barns and stables.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
$4 – MILLION SOLUTION™
This endorsement amends the insurance policy to which it is attached. It applies only to locations for
which a specific mention is written on the Coverage Summary page.
Words and expressions in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Amount of Insurance
We will pay a maximum amount of $4,000,000 for all loss or damage under Section I - Property Damage
Coverages*, incl
uding the Extensions of Coverage.
* This section describes the insurance on your dwelling building, detached private structures, personal property,
and additional living expenses.
Limitation of Amount Payable for Barns and Stables
We will pay a maximum amount of $75,000 per occurrence for all barns and stables.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
$5 – MILLION SOLUTION®
This endorsement amends the insurance policy to which it is attached. It applies only to locations for
which a specific mention is written on the Coverage Summary page.
Words and expressions in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Amount of Insurance
We will pay a maximum amount of $5,000,000 for all loss or damage under Section I - Property Damage
Coverages*, incl
uding the Extensions of Coverage.
* This section describes the insurance on your dwelling building, detached private structures, personal property,
and additional living expenses.
Limitation of Amount Payable for Barns and Stables
We will pay a maximum amount of $75,000 per occurrence for all barns and stables.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
$6 – MILLION SOLUTION™
This endorsement amends the insurance policy to which it is attached. It applies only to locations for
which a specific mention is written on the Coverage Summary page.
Words and expressions in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Amount of Insurance
We will pay a maximum amount of $6,000,000 for all loss or damage under Section I - Property Damage
Coverages*, incl
uding the Extensions of Coverage.
* This section describes the insurance on your dwelling building, detached private structures, personal property,
and additional living expenses.
Limitation of Amount Payable for Barns and Stables
We will pay a maximum amount of $75,000 per occurrence for all barns and stables.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
$7 – MILLION SOLUTION™
This endorsement amends the insurance policy to which it is attached. It applies only to locations for
which a specific mention is written on the Coverage Summary page.
Words and expressions in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Amount of Insurance
We will pay a maximum amount of $7,000,000 for all loss or damage under Section I - Property Damage
Coverages*, incl
uding the Extensions of Coverage.
* This section describes the insurance on your dwelling building, detached private structures, personal property,
and additional living expenses.
Limitation of Amount Payable for Barns and Stables
We will pay a maximum amount of $75,000 per occurrence for all barns and stables.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
FAMILY COVERAGE
This endorsement amends the insurance policy to which it is attached.
(1) Extended coverage for insured’s parents’ personal property, additional living expense and personal
liability.
Definitions
Words and expressions in bold are defined in this section.
Care facility means a home for the aged, a nursing home or a long-term care facility.
Insured person means
Your spouse;
Your children;
The children of your spouse;
Your parents; or
The parent of your spouse.
Other words and expressions in bold are defined in the Definitions section of the insurance policy to
which this endorsement is attached.
Property Damage Coverages
PERSONAL PROPERTY (CONTENTS)
We insure loss or damage to personal property owned by an insured person, for whom you have a
power of attorney, while residing in a care facility which is located in Canada.
W
e will pay up to the limit for Coverage B - Personal Property (Contents) written on the Coverage
Summary page.
This coverage applies subject to the following conditions:
(a) The property is not covered by any other insurance policy; and
(b) The property is insured solely against the perils covered by the insurance policy to which this
endorsement is attached.
ADDITIONAL LIVING EXPENSES
(a) When the care facility an insured person is living in is made unfit for occupancy as a result of loss
or damage caused to the care facility by an insured peril covered under this policy; we will pay
additional living expenses for the reasonable time, not exceeding 1 year from the date of
occurrence, to repair or rebuild the care facility occupied by an insured person or if the insured
person is permanently relocated, the reasonable time required for this insured person to
permanently settle into a new care facility.
(b) We will also pay, up to $100 per week, for the extra expenses you will incur as a caregiver to
main
tain services you provide to the insured person.
This c
overage applies only in Canada.
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This coverage applies only if there is no other insurance policy applicable.
Civil Liability Coverages
The insured person is also covered under Section II - Civil Liability Coverages but only if not covered by
any other insurance policy.
(2) Student Coverage
The definition of Insured also means a student, less than 25 years of age, who is a child of the Insured
or his or her spouse.
(3) Cyberbullying Coverage
Definitions
For the purposes of this endorsement, the following definitions will apply:
Cyberbullying expense means the reasonable costs for:
(a) related psychological or psychiatric services up to $25,000 for an eligible Insured when incurred
within one year after an act committed as part of the cyberbullying occurrence.
(b) related costs incurred by an eligible Insured for:
any increase in expense for temporary private tutoring; or
any increase in expense for school enrollment if the eligible Insured is relocated to an
alternative but similar school, up to $15,000, when incurred within 60 days after an act is
committed as part of the cyberbullying occurrence.
We will pay an additional amount of $500 in total for any increase in travel expense to commute
to and from the new school.
(c) related reasonable costs incurred by an eligible Insured, up to $5,000 for each cyberbullying
occurrence, when incurred within one year after an act committed as part of the cyberbullying
occurrence for:
a professional digital forensic analyst to aid in prosecution; and
a professional cyber security consultant.
Cyberbullying occurrence means two or more similar or related acts of harassment or intimidation,
including defamation of character, invasion of privacy, or threats of violence:
(a) committed against an eligible Insured by computer, telephone, portable device (such as a
smartphone, electronic tablets or handheld computers), or any similar electronic device or means,
first committed within the policy period;
resulting in:
wrongful discipline of an eligible Insured by a primary, middle or secondary school (public or
private); or
debilitating shock, mental anguish, or mental injury, as diagnosed by a licensed physician,
psychologist or other authorized mental health professional (other than an eligible Insured’s
family member), leading to the inability of the eligible Insured to attend a primary, middle or
secondary school full-time where they were attending school full-time before the cyberbully
occurrence had begun.
Any such acts:
(a) committed by any person or group of persons acting in concert; or
(b) in which any person or group of persons is involved or implicated;
are considered to be a single cyberbullying occurrence, even if a series of similar or related acts
occurs over multiple policy periods.
Page 10 of 52
Eligible Insured means a 21 year old or less:
(a) named Insured; or
(b) person who is dependent on the named Insured or his or her spouse;
who is a student enrolled in and actually attends a primary, middle or secondary school, on a full-time
basis.
Other words and expressions in bold are defined in the Definitions section of the insurance policy to which
this endorsement is attached.
Amount of Insurance
The most we will pay for any cyberbullying occurrence is $45,000 per eligible Insured.
Cyberbullying Coverage
We will pay for cyberbullying expense an eligible Insured incurs solely and directly as a result of a
cyberbullying occurrence.
If there is more than one eligible Insured impacted by the same cyberbullying occurrence, each will be
subject to their own sub-limits of coverage.
Exclusion
Cyberbullying occurrence
1) WE DO NOT INSURE claims arising out of any act of cyberbullying against an eligible Insured arising out
of business activities or the pursuit or holding of a public office by them or their family member.
Additional Condition
The following condition is in addition to all other conditions applicable to the insurance policy to which this
endorsement is attached.
PROOF OF LOSS
1) The eligible Insured or their family member will be responsible for producing proof of the cyberbullying
occurrence and its multiple cyberbullying acts in digital or printed form as a condition of eligibility for a
claim.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
Page 11 of 52
Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
SETTLE YOUR WAY ENDORSEMENT
This endorsement amends the insurance policy to which it is attached. It applies only to locations for
which a specific mention is written on the Coverage Summary page.
Words and expressions in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Basis of Settlement
The Basis of Settlement under Section I – Property Damage Coverages is amended as follows, but only for
the purposes of this endorsement:
(1) DWELLING BUILDING AND DETACHED PRIVATE STRUCTURES
The following options are added, but do not apply to dilapidated detached private structures that are
not usable for their original purpose.
OPTION 1 – CONSTRUCTION ON A DIFFERENT LOCATION IN CANADA
If you choose to build a new dwelling in Canada, the following conditions will apply:
(a) We will pay the amount it would have cost to repair or rebuild, whichever is lower, on the same
location:
With material of similar quality as the material in place prior to the occurrence;
For a building with the same occupancy as prior to the occurrence.
(b) The amount paid will not take into account depreciation.
(c) The insurer has the option to retain salvage.
(d) Additional Living Expense will be payable during the reasonable time it would have taken to
repair or rebuild on the same location, without exceeding the reasonable time required to
permanently settle in a new dwelling.
(e) Fair Rental Value will be payable during the reasonable time it would have taken to repair or
rebuild on the same location.
OPTION 2 – DIRECT SETTLEMENT
If you choose not to repair or rebuild the dwelling, the following conditions will apply:
(a) We will pay the amount it would have cost to repair or rebuild, whichever is lower, on the same
location:
With material of similar quality as the material in place prior to the occurrence;
For a building with the same occupancy as prior to the occurrence.
(b) The amount paid will include any additional amount that may arise from the application of any
by-law or building code requirement.
(c) The amount paid will not take into account depreciation.
(d) The insurer has the option to retain salvage.
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(e) Additional Living Expense and Fair Rental Value coverage will end at the time direct settlement
is issued to you.
Guaranteed Reconstruction Cost Endorsement or Enhanced Reconstruction Cost Endorsement
If the Guaranteed Reconstruction Cost Endorsement or the Enhanced Reconstruction Cost Endorsement
is attached to the same location as this endorsement, the guaranteed or enhanced reconstruction cost
will only apply if you repair or rebuild the property on the same location.
(2) PERSONAL PROPERTY (CONTENTS)
DIRECT SETTLEMENT OPTION
The following option is added:
(a) We will pay the amount it would have cost, at the date of the occurrence, to repair or replace,
whichever is lower, with property of like kind and quality;
(b) The amount paid will not take into account depreciation.
This option does not apply to:
Property that was not usable for its original purpose or had not been maintained in workable
condition;
Objects that cannot be replaced with new articles because of their inherent nature, including
antiques, fine arts, paintings and sculptures;
Objects whose age or history contributes to their value, such as memorabilia, souvenirs and
collectibles.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
Page 13 of 52
Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
PERSONAL VALUABLES COVERAGE ENDORSEMENT - JEWELLERY
This endorsement amends the insurance policy to which it is attached.
Words and expressions in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Agreement
Items designated as ‘’in-vault’’ on the Personal Valuables Coverage - Jewellery Appendix must be kept in
the vault of a recognized financial institution.
These items are not covered against any risk while they are out of the financial institution’s vault, unless
we agree in advance to cover them.
Amount of Insurance
The amount of insurance for the property insured under this endorsement is written on the Coverage
Summary page.
Insured Property
(1) We insure the property described on the Personal Valuables Coverage - Jewellery Appendix for this
endorsement.
(2) Provided you notify us within 30 days of their acquisition:
(a) we insure property of like kind to those described on the Personal Valuables Coverage - Jewellery
Appendix and that is acquired during the policy term, for up to $5,000;
(b) we insure property replacing those insured by this endorsement and damaged by an
occurrence, for the same amounts as before.
The 30 consecutive day period does not extend beyond the date this endorsement ends.
(3) We insure property not described in the Personal Valuables Coverage - Jewellery Appendix, but of like
kind to those described, for up to $500.
This amount is payable in addition to the amount of insurance written on the Cover
age Summary
page for this endorsement.
Insured Perils
The section titled Insured Perils under Section I - Property Damage Coverages is replaced with this
Insured Perils Section, but only for the property insured under this endorsement.
Subject to the exclusions and limitations, you are insured against all risks of direct loss or damage to
property insured under this endorsement, wherever located.
Property Excluded
The section titled Property Excluded under Section I - Property Damage Coverages is replaced with this
Property Excluded Section, but only for the property insured under this endorsement.
WE DO NOT INSURE:
(1) Any property illegally acquired or kept.
(2) Any property lawfully seized or confiscated.
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(3) Property, or a part thereof, that caused the occurrence, including but not limited to cases where the
damage results from the breakdown, inherent vice or nature of the property.
(4) Personal property related to business, including farming.
(5) Property designated as ‘’in-vault’’ in the Personal Valuables Coverage - Jewellery Appendix when
taken out of vault.
However if you call us to advise items will be taken out of vault, such items will be covered for 7 days
and up to $25,000 in all, from the date they will be taken out of vault.
Except if specified on the Coverage Summary page:
(6) Personal property at any fairground, exhibition or exposition for the purpose of its exhibition or sale.
Common Exclusions
The section titled Common Exclusions under Section I - Property Damage Coverages is replaced with this
Common Exclusions Section, but only for the property insured under this endorsement.
The following exclusions apply in addition to all other exclusions indicated in this endorsement.
(1) Data
WE DO NOT INSURE loss or damage caused directly or indirectly:
(a) to data;
(b) by a data problem.
However, we insure loss or damage caused directly to insured property by one of the following
insured perils, that results from a data problem:
• Fire;
• Explosion;
• Fluctuations in artificially generated electric currents;
• Smoke;
• Water damage.
(2) Defects
WE DO NOT INSURE loss or damage caused by mechanical, electrical or electronic breakdown or
malfunction or by defects, unless such loss results directly from a fluctuation in artificially generated
electric currents or lightning.
WE DO NOT INSURE the cost to repair defective or malfunctioning property or property that breaks
down.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such defect, malfunction or breakdown.
(3) Faulty Material or Workmanship
WE DO NOT INSURE the cost of correcting faulty material or workmanship.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such faulty material or workmanship.
(4) Gradual Damage
WE DO NOT INSURE:
(a) Wear and tear to, or gradual deterioration, of property.
(b) Loss or damage to property caused by rust, corrosion, dampness, condensation, extremes of
temperature, wet or dry rot, fungi or spores.
(c) Repeated damage to property.
However, we insure loss or damage caused directly to insured property by an insured peril under
this endorsement and resulting from such gradual damage.
Page 15 of 52
(5) Loss or Damage Caused by Animals
WE DO NOT INSURE loss or damage caused by vermin, insects, birds, rodents, raccoons and bats.
However, we insure loss or damage to insured property caused directly by an insured peril under this
endorsement and resulting from loss caused by such animals.
(6) Nuclear Incident
(a) WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by any nuclear
accident as defined in any nuclear liability act, law or statute, or by nuclear explosion.
(b) WE DO NOT INSURE loss or damage caused by contamination by radioactive material.
These exclusions apply whether or not there is another cause or occurrence (whether covered or not)
that contributes concurrently or in any sequence to the occasioning of the loss, damage or expenses.
However, you are still insured for ensuing loss or damage which results directly from fire or explosion.
(7) Terrorism
WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by terrorism perpetrated
by biological, chemical, nuclear or radioactive means.
However, you are still insured for ensuing loss or damage which results directly from fire or explosion.
(8) Trickery or fraud
WE DO NOT INSURE loss or damage resulting from a change in ownership of property that is agreed
to, even if that change was brought about by trickery or fraud.
(9) Vacancy
WE DO NOT INSURE occurrences that occur after the building in which the insured property is
located has, with your knowledge, been vacant for more than 30 consecutive days.
(10) Vandalism
WE DO NOT INSURE loss or damage caused by an act of vandalism:
(a) Committed while the building where the insured property is located is under construction or
vacant.
Exclusion (a) above applies from the date construction begins or the date the building becomes
vacant.
(a) Resulting from the use of all or part of the premises for drug operations.
“Drug operations” include cultivating, harvesting, processing, manufacturing, distributing or selling any
substance regulated under the Controlled Drugs and Substances Act.
(11) War
WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by invasion, war or civil
war, insurrection, rebellion, revolution, military force or usurped power or by operation of armed
forces while engaged in hostilities, whether war is declared or not.
This exclusion applies whether or not there is another cause or occurrence (whether covered or not)
that contributes concurrently or in any sequence to the occasioning of the loss, damage or
expenses.
(12) Intentional or Criminal Act
WE DO NOT INSURE occurrences resulting from any intentional or criminal act by an Insured.
However, this exclusion does not apply to an Insured who has not committed and is not involved in
the intentional or criminal act.
(13) Work on Property
WE DO NOT INSURE loss or damage to property while the property is being worked on or undergoing
any process when such loss results directly from the work or process.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such work.
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Basis of Settlement
For items designated as being insured on an agreed value basis in the Personal Valuables Coverage -
Jewellery Appendix.
IN THE EVENT OF A TOTAL LOSS:
We will pay the agreed value written for each item on the Personal Valuables Coverage - Jewellery
Appendix.
IN THE EVENT OF A PARTIAL LOSS:
(a) if you choose to repair or restore the item, we will pay up to the agreed value written on the
Personal Valuables Coverage - Jewellery Appendix;
(b) if you choose not to repair the item we will pay the lower of:
• the difference between the market value immediately before and after the loss; or
• the repairs cost;
without exceeding the agreed value written on the Appendix.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
Page 17 of 52
Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
PERSONAL VALUABLES COVERAGE ENDORSEMENT - SPORTS
This endorsement amends the insurance policy to which it is attached.
Words and expressions in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Amount of Insurance
The amount of insurance for the property insured under this endorsement is written on the Coverage
Summary page.
Insured Property
(1) We insure the property described on the Personal Valuables Coverage - Sports Appendix for this
endorsement.
(2) Provided you notify us within 30 days of their acquisition:
(a) we insure property of like kind to those described on the Personal Valuables Coverage - Sports
Appendix and that is acquired during the policy term, for up to $5,000;
(b) we insure property replacing those insured by this endorsement and damaged by an occurrence,
for the same amounts as before.
The 30 consecutive day period does not extend beyond the date this endorsement ends.
(3) We insure property not described in the Personal Valuables Coverage - Sports Appendix, but of like
kind to those described, for up to $500.
This amount is payable in addition to the amount of insurance written on the Coverage Summary
page for this endorsement.
Insured Perils
The section titled Insured Perils under Section I - Property Damage Coverages is replaced with this Insured
Perils Section, but only for the property insured under this endorsement.
Subject to the exclusions and limitations, you are insured against all risks of direct loss or damage to
property insured under this endorsement, wherever located.
Property Excluded
The section titled Property Excluded under Section I - Property Damage Coverages is replaced with this
Property Excluded Section, but only for the property insured under this endorsement.
WE DO NOT INSURE:
(1) Any property illegally acquired or kept.
(2) Any property lawfully seized or confiscated.
(3) Property, or a part thereof, that caused the occurrence, including but not limited to cases where the
damage results from the breakdown, inherent vice or nature of the property.
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(4) Personal property related to business, including farming.
Except if specified on the Coverage Summary page:
(5) Personal property at any fairground, exhibition or exposition for the purpose of its exhibition or sale.
Common Exclusions
The section titled Common Exclusions under Section I - Property Damage Coverages is replaced with this
Common Exclusions Section, but only for the property insured under this endorsement.
The following exclusions apply in addition to all other exclusions indicated in this endorsement.
(1) Data
WE DO NOT INSURE loss or damage caused directly or indirectly:
(a) to data;
(b) by a data problem.
However, we insure loss or damage caused directly to insured property by one of the following
insured perils, that results from a data problem:
Fire;
Explosion;
Fluctuations in artificially generated electric currents;
Smoke;
Water damage.
(2) Defects
WE DO NOT INSURE loss or damage caused by mechanical, electrical or electronic breakdown or
malfunction or by defects, unless such loss results directly from a fluctuation in artificially generated
electric currents or lightning.
WE DO NOT INSURE the cost to repair defective or malfunctioning property or property that breaks
down.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such defect, malfunction or breakdown.
(3) Faulty Material or Workmanship
WE DO NOT INSURE the cost of correcting faulty material or workmanship.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such faulty material or workmanship.
(4) Gradual Damage
WE DO NOT INSURE:
(a) Wear and tear to, or gradual deterioration, of property.
(b) Loss or damage to property caused by rust, corrosion, dampness, condensation, extremes of
temperature, wet or dry rot, fungi or spores.
(c) Repeated damage to property.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such gradual damage.
(5) Loss or Damage Caused by Animals
WE DO NOT INSURE loss or damage caused by vermin, insects, birds, rodents, raccoons and bats.
However, we insure loss or damage to insured property caused directly by an insured peril under this
endorsement and resulting from loss caused by such animals.
(6) Nuclear Incident
(a) WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by any nuclear
accident as defined in any nuclear liability act, law or statute, or by nuclear explosion.
(b) WE DO NOT INSURE loss or damage caused by contamination by radioactive material.
Page 19 of 52
These exclusions apply whether or not there is another cause or occurrence (whether covered or
not) that contributes concurrently or in any sequence to the occasioning of the loss, damage or
expenses.
However, you are still insured for ensuing loss or damage which results directly from fire or
explosion.
(7) Terrorism
WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by terrorism perpetrated
by biological, chemical, nuclear or radioactive means.
However, you are still insured for ensuing loss or damage which results directly from fire or
explosion.
(8) Trickery or fraud
WE DO NOT INSURE loss or damage resulting from a change in ownership of property that is agreed
to, even if that change was brought about by trickery or fraud.
(9) Vacancy
WE DO NOT INSURE occurrences that occur after the building in which the insured property is
located has, with your knowledge, been vacant for more than 30 consecutive days.
(10) Vandalism
WE DO NOT INSURE loss or damage caused by an act of vandalism:
(a) Committed while the building where the insured property is located is under construction or
vacant.
Exclusion (a) above applies from the date construction begins or the date the building becomes
vacant.
(b) Resulting from the use of all or part of the premises for drug operations.
“Drug operations” include cultivating, harvesting, processing, manufacturing, distributing or selling any
substance regulated under the Controlled Drugs and Substances Act.
(11) War
WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by invasion, war or civil
war, insurrection, rebellion, revolution, military force or usurped power or by operation of armed
forces while engaged in hostilities, whether war is declared or not.
This exclusion applies whether or not there is another cause or occurrence (whether covered or not)
that contributes concurrently or in any sequence to the occasioning of the loss, damage or
expenses.
(12) Intentional or Criminal Act
WE DO NOT INSURE occurrences resulting from any intentional or criminal act by an Insured.
However, this exclusion does not apply to an Insured who has not committed and is not involved in
the intentional or criminal act.
(13) Work on Property
WE DO NOT INSURE loss or damage to property while the property is being worked on or
undergoing any process when such loss results directly from the work or process.
However, we insure loss or damage caused directly to insured property by an insured peril under
this endorsement and resulting from such work.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
PERSONAL VALUABLES COVERAGE ENDORSEMENT - WINE AND SPIRITS
This endorsement amends the insurance policy to which it is attached.
Definitions
For the purposes of this endorsement, the following definition will apply:
Wine means an alcoholic or non-alcoholic beverage produced by the fermentation of grapes at a
commercial winery, including wine containers and labels.
Other words and expressions in bold are defined in the Definitions section of the insurance policy to
which this endorsement is attached.
Territorial Limits
You are only insured against loss or damage occurring within Canada.
Amount of Insurance
The amount of insurance for the property insured under this endorsement is written on the Coverage
Summary page.
Insured Property
(1) We insure the property described on the Personal Valuables Coverage - Wine and Spirits Appendix for
this endorsement.
(2) Provided you notify us within 30 days of their acquisition:
(a) we insure property of like kind to those described on the Personal Valuables Coverage - Wine and
Spirits Appendix and that is acquired during the policy term, for up to $5,000;
(b) we insure property replacing those insured by this endorsement and damaged by an occurrence,
for the same amounts as before.
The 30 consecutive day period does not extend beyond the date this endorsement ends.
(3) We insure property not described in the Personal Valuables Coverage - Wine and Spirits Appendix, but
of like kind to those described, for up to $500.
This amount is payable in addition to the amount of insurance written on the Coverage Summary
page for this endorsement.
Insured Perils
The section titled Insured Perils under Section I - Property Damage Coverages is replaced with this
Insured Perils Section, but only for the property insured under this endorsement.
Subject to the exclusions and limitations, you are insured against all risks of direct loss or damage to
property insured under this endorsement.
Property Excluded
The section titled Property Excluded under Section I - Property Damage Coverages is replaced with this
Property Excluded Section, but only for the property insured under this endorsement.
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WE DO NOT INSURE:
(1) Any property illegally acquired or kept.
(2) Any property lawfully seized or confiscated.
(3) Property, or a part thereof, that caused the occurrence, including but not limited to cases where the
damage results from the breakdown, inherent vice or nature of the property.
(4) Personal property related to business, including farming.
Except if specified on the Coverage Summary page:
(5) Personal property at any fairground, exhibition or exposition for the purpose of its exhibition or sale.
Common Exclusions
The section titled Common Exclusions under Section I - Property Damage Coverages is replaced with this
Common Exclusions Section, but only for the property insured under this endorsement.
The following exclusions apply in addition to all other exclusions indicated in this endorsement.
(1) Data
WE DO NOT INSURE loss or damage caused directly or indirectly:
(a) to data;
(b) by a data problem.
However, we insure loss or damage caused directly to insured property by one of the following
insured perils, that results from a data problem:
Fire;
Explosion;
Fluctuations in artificially generated electric currents;
Smoke;
Water damage.
(2) Defects
WE DO NOT INSURE loss or damage caused by mechanical, electrical or electronic breakdown or
malfunction or by defects, unless such loss results directly from a fluctuation in artificially generated
electric currents or lightning.
WE DO NOT INSURE the cost to repair defective or malfunctioning property or property that breaks
down.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such defect, malfunction or breakdown.
(3) Faulty Material or Workmanship
WE DO NOT INSURE the cost of correcting faulty material or workmanship.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such faulty material or workmanship.
(4) Gradual Damage
WE DO NOT INSURE:
(a) Wear and tear to, or gradual deterioration, of property.
(b) Loss or damage to property caused by rust, corrosion, dampness, condensation, extremes of
temperature, wet or dry rot, fungi or spores.
(c) Repeated damage to property.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such gradual damage.
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(5) Loss or Damage Caused by Animals
WE DO NOT INSURE loss or damage caused by vermin, insects, birds, rodents, raccoons and bats.
However, we insure loss or damage to insured property caused directly by an insured peril under this
endorsement and resulting from loss caused by such animals.
(6) Nuclear Incident
(a) WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by any nuclear
accident as defined in any nuclear liability act, law or statute, or by nuclear explosion.
(b) WE DO NOT INSURE loss or damage caused by contamination by radioactive material.
These exclusions apply whether or not there is another cause or occurrence (whether covered or
not) that contributes concurrently or in any sequence to the occasioning of the loss, damage or
expenses.
However, you are still insured for ensuing loss or damage which results directly from fire or explosion.
(7) Spoilage
WE DO NOT INSURE loss or damage caused by spoilage.
However, we cover losses due to sudden and accidental spoilage caused by:
(a) change in temperature or temperature extremes due to loss of utility service or premises power
supply, or mechanical or electrical breakdown of climate control equipment;
(b) extremes in humidity;
(c) vibration; or
(d) light.
(8) Terrorism
WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by terrorism perpetrated
by biological, chemical, nuclear or radioactive means.
However, you are still insured for ensuing loss or damage which results directly from fire or explosion.
(9) Trickery or fraud
WE DO NOT INSURE loss or damage resulting from a change in ownership of property that is agreed
to, even if that change was brought about by trickery or fraud.
(10) Vacancy
WE DO NOT INSURE occurrences that occur after the building in which the insured property is
located has, with your knowledge, been vacant for more than 30 consecutive days.
(11) Vandalism
WE DO NOT INSURE loss or damage caused by an act of vandalism:
(a) Committed while the building where the insured property is located is under construction or
vacant.
Exclusion (a) above applies from the date construction begins or the date the building becomes
vacant.
(b) Resulting from the use of all or part of the premises for drug operations.
“Drug operations” include cultivating, harvesting, processing, manufacturing, distributing or selling any
substance regulated under the Controlled Drugs and Substances Act.
(12) War
WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by invasion, war or civil
war, insurrection, rebellion, revolution, military force or usurped power or by operation of armed
forces while engaged in hostilities, whether war is declared or not.
This exclusion applies whether or not there is another cause or occurrence (whether covered or not)
that contributes concurrently or in any sequence to the occasioning of the loss, damage or
expenses.
Page 23 of 52 Page 23 of 52
(13) Intentional or Criminal Act
WE DO NOT INSURE occurrences resulting from any intentional or criminal act by an Insured.
However, this exclusion does not apply to an Insured who has not committed and is not involved in
the intentional or criminal act.
(14) Work on Property
WE DO NOT INSURE loss or damage to property while the property is being worked on or undergoing
any process when such loss results directly from the work or process.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such work.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
PERSONAL VALUABLES COVERAGE ENDORSEMENT - WORKS OF ART
This endorsement amends the insurance policy to which it is attached.
Words and expressions in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Amount of Insurance
The amount of insurance for the property insured under this endorsement is written on the Coverage
Summary page.
Insured Property
(1) We insure the property described on the Personal Valuables Coverage - Works of Art Appendix for
this endorsement while on premises of locations described on the Coverage Summary page and
while in transit between such locations.
(2) Provided you notify us within 30 days of their acquisition:
(a) we insure property of like kind to those described on the Personal Valuables Coverage - Works of
Art Appendix and that is acquired during the policy term, for up to $5,000;
(b) we insure property replacing those insured by this endorsement and damaged by an
occurrence, for the same amounts as before.
The 30 consecutive day period does not extend beyond the date this endorsement ends.
(3) We insure property not described in the Personal Valuables Coverage - Works of Art Appendix, but of
like kind to those described, for up to $500.
This amount is payable in addition to the amount of insurance written on the Coverage Summary
page for this endorsement.
Insured Perils
The section titled Insured Perils under Section I - Property Damage Coverages is replaced with this
Insured Perils Section, but only for the property insured under this endorsement.
Subject to the exclusions and limitations, you are insured against all risks of direct loss or damage to
property insured under this endorsement, while on premises of locations described on the Coverage
Summary page and while in transit between such locations.
Property Excluded
The section titled Property Excluded under Section I - Property Damage Coverages is replaced with this
Property Excluded Section, but only for the property insured under this endorsement.
WE DO NOT INSURE:
(1) Any property illegally acquired or kept.
(2) Any property lawfully seized or confiscated.
(3) Property, or a part thereof, that caused the occurrence, including but not limited to cases where the
damage results from the breakdown, inherent vice or nature of the property.
(4) Personal property related to business, including farming.
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Except if specified on the Coverage Summary page:
(5) Personal property at any fairground, exhibition or exposition for the purpose of its exhibition or sale.
Common Exclusions
The section titled Common Exclusions under Section I - Property Damage Coverages is replaced with this
Common Exclusions Section, but only for the property insured under this endorsement.
The following exclusions apply in addition to all other exclusions indicated in this endorsement.
(1) Data
WE DO NOT INSURE loss or damage caused directly or indirectly:
(a) to data;
(b) by a data problem.
However, we insure loss or damage caused directly to insured property by one of the following
insured perils, that results from a data problem:
• Fire;
• Explosion;
• Fluctuations in artificially generated electric currents;
• Smoke;
• Water damage.
(2) Defects
WE DO NOT INSURE loss or damage caused by mechanical, electrical or electronic breakdown or
malfunction or by defects, unless such loss results directly from a fluctuation in artificially generated
electric currents or lightning.
WE DO NOT INSURE the cost to repair defective or malfunctioning property or property that breaks
down.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such defect, malfunction or breakdown.
(3) Faulty Material or Workmanship
WE DO NOT INSURE the cost of correcting faulty material or workmanship.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such faulty material or workmanship.
(4) Gradual Damage
WE DO NOT INSURE:
(a) Wear and tear to, or gradual deterioration, of property.
(b) Loss or damage to property caused by rust, corrosion, dampness, condensation, extremes of
temperature, wet or dry rot, fungi or spores.
(c) Repeated damage to property.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such gradual damage.
(5) Loss or Damage Caused by Animals
WE DO NOT INSURE loss or damage caused by vermin, insects, birds, rodents, raccoons and bats.
However, we insure loss or damage to insured property caused directly by an insured peril under this
endorsement and resulting from loss caused by such animals.
(6) Nuclear Incident
(a) WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by any nuclear
accident as defined in any nuclear liability act, law or statute, or by nuclear explosion.
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(b) WE DO NOT INSURE loss or damage caused by contamination by radioactive material.
These exclusions apply whether or not there is another cause or occurrence (whether covered or
not) that contributes concurrently or in any sequence to the occasioning of the loss, damage or
expenses.
However, you are still insured for ensuing loss or damage which results directly from fire or explosion.
(7) Terrorism
WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by terrorism perpetrated
by biological, chemical, nuclear or radioactive means.
However, you are still insured for ensuing loss or damage which results directly from fire or explosion.
(8) Trickery or fraud
WE DO NOT INSURE loss or damage resulting from a change in ownership of property that is agreed
to, even if that change was brought about by trickery or fraud.
(9) Vacancy
WE DO NOT INSURE occurrences that occur after the building in which the insured property is
located has, with your knowledge, been vacant for more than 30 consecutive days.
(10) Vandalism
WE DO NOT INSURE loss or damage caused by an act of vandalism:
(a) Committed while the building where the insured property is located is under construction or
vacant.
Exclusion (a) above applies from the date construction begins or the date the building becomes
vacant.
(b) Resulting from the use of all or part of the premises for drug operations.
"Drug operations” include cultivating, harvesting, processing, manufacturing, distributing or selling any
substance regulated under the Controlled Drugs and Substances Act.
(11) War
WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by invasion, war or civil
war, insurrection, rebellion, revolution, military force or usurped power or by operation of armed
forces while engaged in hostilities, whether war is declared or not.
This exclusion applies whether or not there is another cause or occurrence (whether covered or not)
that contributes concurrently or in any sequence to the occasioning of the loss, damage or
expenses.
(12) Intentional or Criminal Act
WE DO NOT INSURE occurrences resulting from any intentional or criminal act by an Insured.
However, this exclusion does not apply to an Insured who has not committed and is not involved in
the intentional or criminal act.
(13) Work on Property
WE DO NOT INSURE loss or damage to property while the property is being worked on or undergoing
any process, including refinishing, renovating, repairing or retouching, when such loss results directly
from the work or process.
However, we insure loss or damage caused directly to insured property by an insured peril under this
endorsement and resulting from such work.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
Page 27 of 52
Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
ICE DAMMING AND ROOF DRAIN BACKUP ENDORSEMENT
Insured Perils
You are insured against direct physical loss or damage to insured property caused by water that enters
the dwelling or detached private structures, or the condominium unit, through a roof due to:
• the accumulation of ice or snow on the exterior of the roof or eavestrough; or
• the backing up, overflow or discharge of water from eavestrough, downspouts, rainwater leaders or
roof drains.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
HOMEOWNER - ENHANCED EXTENSIONS OF COVERAGE
The policy to which this endorsement is attached to is amended as follows:
Extensions of Coverage
The following Extensions of Coverage are modified as follows:
Lock Replacement, Rekeying or Repair
The maximum amount we will pay is increased from $2,000 to $6,000.
Business Property
The maximum amount we will pay is increased from $2,000 to $6,000.
Outdoor Growing Plants
T
he maximum amount we will pay is increased from $50,000 to $100,000 with a maximum of
$2,000 per tree, shrub or plant.
However, we will pay up to $1,000 with a maximum amount of $250 per cannabis plant.
P
roperty Located Away From the Premises
The maximum amount we will pay is increased from $2,000 to $6,000.
Loss Assessment
The maximum amount we will pay is increased from $25,000 to $100,000 when the claim arises from
the application of a deductible under the syndicate, strata or condominium corporation’s insurance
policy.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
ECO-EFFICIENT REBUILD - HOMEOWNER - ENDORSEMENT
This endorsement amends the insurance policy to which it is attached.
Definitions
Words and expressions in bold are defined in this section.
Eco-efficient material means environmentally friendly or energy efficient materials and products.
Basis of Settlement
The Basis of Settlement clause is modified as follows:
DWELLING BUILDING AND DETACHED PRIVATE STRUCTURES
The present enhancement applies to:
(1) The dwelling building described on the Coverage Summary page and the structures attached to
the dwelling building, as well as:
(a) appliances;
(b) furniture; and
(c)
e
quipment
forming part thereof;
(2) Fences, on the premises;
(3) Temporary outdoor installations, whether assembled or not, including car shelters, on the
premises.
When settlement is made under Option 1 - Repair or Replacement Cost Without Deduction for
Depreciation, we will pay additional costs for the use of eco-efficient material in the repair or rebuild of
the above covered property:
• up to 10% of the amount of indemnity that would be otherwise payable.
We will pay a maximum amount of $50,000.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
ENHANCED - SPECIAL LIMITATIONS APPENDIX
Limitation of Amount Payable for Certain Personal Property
If any personal property is subject to more than one limitation, only the lowest limitation will apply.
(A) In the event of an insured occurrence, for all personal property belonging to a category listed in (1)
to (6) below, we will pay a maximum amount of:
(1) $1,500 for bullion, bank notes and money, including cash cards, plastic money and gift
certificates.
(2) $10,000 for boats or watercraft, whether assembled or not, including their furnishings, equipment,
accessories, motors and trailers.
(3) $6,000 for goods or samples intended for sale but not pertaining to a business.
(4) $20,000 for lawn mowers, garden-type tractors, snow blowers, drawn machinery and utility
trailers, including their equipment and accessories.
(5) $25,000 for wine and spirits.
(6) $1,000 for cannabis in all consumable forms and cannabis plants, whether for recreational or
medicinal use.
(B) In the event of theft, loss or mysterious disappearance, all personal property belonging to a category
listed in (1) to (5) below, we will pay a maximum amount of:
(1) $15,000 for jewellery, precious or semi-precious stones, pearls and watches, fur garments,
garments trimmed with fur and all other fur items.
(2) $15,000 for silverware, silver-plated ware, gold ware, gold-plated ware and pewter ware not
subject to any other limitation.
(3) $6,000 for each pedal or electric bicycle, including its equipment and accessories, whether or not
attached to a bicycle.
(4) $20,000 for collections not subject to any other limitation.
(5) $60,000 for works of art not subject to any other limitation.
Works of art include, but are not limited to:
paintings, pictures, drawings, etchings, engravings, prints and lithographs, including their
frames;
sculptures, statuettes and assemblages;
hand-made rugs and tapestries.
(C) Limitation of Amount Payable for Certain Personal Property on items described in (A) (1), (B) (1) and (B)
(4), does not apply when the loss or damage occurs on the premises of any financial institution where
an Insured rents a safety deposit box.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
EXTENDED WATER DAMAGE ENDORSEMENT
(NOT APPLICABLE FOR A BUILDING UNDER CONSTRUCTION OR VACANT)
This endorsement amends the insurance policy to which it is attached. It applies to locations for which a
specific mention is written on the Coverage Summary page.
Words and phrases in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Amount of Insurance
The amount of insurance for this endorsement is written on the Coverage Summary page.
This amount of insurance is the maximum we will pay for all coverages under Section I - Property
Damage Coverages, including the Extensions of Coverage.
Extension of Coverage
The Extension of Coverage titled Outdoor Growing Plants under Section I - Property Damage Coverages is
modified to add perils insured by this endorsement.
Insured Perils
You are insured against sudden and accidental loss or damage caused directly to insured property,
including animals, by:
(1) Water originating from escape, overflow or backing up of:
French drains or weeping tile;
sewer connections;
sewers;
storm drains;
septic tanks, drain fields and other wastewater treatment systems;
ditches;
sumps, retention tanks or holding ponds.
For the purpose of this endorsement, “ditches” means a man-made trench, usually dry, to help and
channel drainage.
(2) Ground or surface freshwater that suddenly and accidentally enters or seeps into the building
through walls, foundations, basement floors or other means, or through openings therein.
(3) Water originating from the rising or overflow of any stream or body of freshwater, whether natural or
man-made or from dam breaks.
Property Excluded
The section titled Property Excluded under Section I - Property Damage Coverages is amended to add
the following excluded property, but only for the purposes of this endorsement:
(1) Property located on any location you own other than locations for which a specific mention
regarding this endorsement is written on the Coverage Summary page.
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This exclusion does not apply to property located at the residence of a student insured under this
insurance policy.
(2) Plumbing system located outside of a building.
Exclusions
(1) WE DO NOT INSURE loss or damage caused by the above insured perils when:
tidal waves;
seiches;
tsunamis; or
any water movement resulting from such tidal waves, seiches or tsunamis;
reach the premises.
This exclusion applies whether or not there is another cause or occurrence (whether covered or not)
that contributes concurrently or in any sequence to the occasioning of the loss or damage.
(2) WE DO NOT INSURE continuous or repeated loss or damage, whether or not you were aware of such
loss or damage.
(3) WE DO NOT INSURE loss or damage caused by the above insured perils which occurs while your
building is under construction or vacant, even if we agreed to maintain the insurance policy to which
this endorsement is attached in force during the construction or vacancy period.
This exclusion applies from the date construction begins or the date the dwelling building becomes
vacant.
Basis of Settlement
Basis of settlement pertaining to Dwelling Building and Detached Private Structures under section Basis
of Settlement under Section I - Property Damage Coverages are modified as set below, but only for the
application of this endorsement:
1) for the application of the option Repair or Replacement Cost Without Deduction for Depreciation, we
authorize the reconstruction on another location.
If the Guaranteed Reconstruction Cost Endorsement or the Enhanced Reconstruction Cost
Endorsement is attached to the same location as this endorsement, the guaranteed or enhanced
reconstruction cost does not apply.
SEWER BACKUP AND SUMP PUMP FAILURE MITIGATION
Following a loss paid under this endorsement, we will reimburse in addition to the amount of coverage,
a maximum of $1,000 for the cost of:
1) backwater valves, including installation after a sewer backup loss; or
2) a sump pump with a backup power system, including installation after a sump pump failure loss.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
Page 33 of 52
Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
FUEL OIL OVERFLOW OR ESCAPE ENDORSEMENT
This endorsement amends the insurance policy to which it is attached. It applies to locations for which a
specific mention is written on the Coverage Summary page.
Words and phrases in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
SECTION I - PROPERTY DAMAGE COVERAGES
Amount of Insurance
The amount of insurance for this endorsement is written on the Coverage Summary page.
This amount of insurance is the maximum we will pay for all coverages under Section I - Property
Damage Coverages, including the Extensions of Coverage.
Extension of Coverage
The Extension of Coverage titled Soil Decontamination under Section I - Property Damage Coverages is
replaced with the following, but only for the purposes of this endorsement:
(1) When the soil of the premises is contaminated by fuel oil due to the accidental overflow or
escape from any tank, apparatus or supply pipes:
(a) installed on the premises; and
(b) connected to a heating system usable on the date of loss;
we wi
ll pay the necessary decontamination expenses.
These expenses include the cost of necessary excavation and backfill work, including removal of the
contaminated soil from the premises.
(2) The E
xtension of Coverage titled Outdoor Growing Plants under Section I - Property Damage
Coverages is modified to add perils insured by this endorsement.
Insured Perils
We cover loss or damage caused to property insured by the sudden and accidental overflow or escape
of fuel oil from a tank or apparatus or supply pipes:
(1) installed on the premises; and
(2) connected to a heating system usable on the date of loss.
Property Excluded
The section titled Property Excluded under Section I - Property Damage Coverages is amended to add
the following property, but only for the purposes of this endorsement:
Public water mains carrying drinking water or public sewer.
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Exclusions
WE DO NOT INSURE loss, damage or expenses:
(1) caused by continuous or repeated overflow or escape of fuel oil, whether or not you were aware
of such overflow or escape;
(2) occurring while the building is under construction or vacant, even if we agreed to maintain the
insurance policy to which this endorsement is attached in force during the construction or
vacancy period.
SECTION II - CIVIL LIABILITY COVERAGES
Amount of Insurance
The amount of insurance for this endorsement is written on the Coverage Summary page.
Definitions
For the purposes of this endorsement, and applicable only to Section II - Civil Liability Coverages, the
definition of premises is replaced with the following:
Premises means premises described on the Coverage Summary page to which this endorsement is
attached.
Other words and expressions in bold are defined in the Definitions section of the insurance policy to
which this endorsement is attached.
Insured Perils
We will pay all sums which you become legally liable to pay as compensatory damages because of
unintentional bodily injury or property damage, as well as resultant loss of use, arising out of accidental
overflow or discharge of fuel oil from any tank, apparatus or supply pipes:
(1) installed on the premises; and
(2) connected to a heating system usable on the date of loss.
Coverage Extending to Personal Umbrella Endorsement
This coverage also applies to the Personal Umbrella Endorsement issued by us:
for locations to which the Fuel Oil Endorsement applies.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
Page 35 of 52
Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
ABOVE GROUND WATER ENDORSEMENT
This endorsement amends the insurance policy to which it is attached. It applies to locations for which a
specific mention is written on the Coverage Summary page.
Words and phrases in bold are defined in the Definitions section of the insurance policy to which this
endorsement is attached.
Amount of Insurance
The amount of insurance for this endorsement is written on the Coverage Summary page.
This amount of insurance is the maximum we will pay for all coverages under Section I - Property
Damage Coverages, including the Extensions of Coverage.
Insured Perils
You are insured against sudden and accidental loss or damage caused directly to insured property by:
(1) Water originating from escape, overflow or backing up of eavestroughs, downspouts or rainwater
leaders.
(2) Rain, snow, melting snow or melting ice that enters or seeps through the roof or walls of the building
or an opening therein, including doors and windows.
Excluded Property
The section titled Excluded Property under Section l - Property Damage Coverages is amended to add
the following excluded property, but only for the purposes of this endorsement:
Property located on any location you own other than locations for which a specific mention regarding
this
endorsement is written on the Coverage Summary page.
This e
xclusion does not apply to property located at the residence of a student insured under this
insurance policy.
Exclusions
(1) WE DO NOT INSURE loss or damage caused by ground or surface water entering or seeping into the
building
(2) WE DO NOT INSURE loss or damage caused by flood.
(3) WE DO NOT INSURE continuous or repeated loss or damage whether or not you were aware of such
loss or damage.
(4) WE DO NOT INSURE loss or damage caused by the above perils which occur while you building is
under construction or vacant, even if we agreed to maintain this insurance policy in force during the
construction or vacancy period.
This exclusion applies from the date construction begins or the date the dwelling building becomes
vacant.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
CLAIM FORGIVENESS ENHANCEMENT
This enhancement applies to the policy to which it is attached.
Words and expressions in bold are defined in the Definitions section of the insurance policy to which this
enhancement is attached.
Coverage
We agree to maintain your claims free rate upon the renewal of this insurance policy following the first
occurrence for which indemnity is paid or awaiting settlement.
This enhancement will not apply after the first occurrence.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
HOME ASSISTANCE
TELEPHONE HOME ASSISTANCE BENEFIT
This appendix adds benefit to the insurance policy to which it is attached.
DESCRIPTION OF BENEFIT
The telephone home assistance benefit helps you find qualified professionals to assist you with a variety
of issues you may encounter with your residence, such as:
(1) plumbing, electrical, heating or cooling;
(2) major construction or renovation work; and
(3) information about available grants for restoration work.
The professionals will perform the required work at your own expense.
TELEPHONE HOME ASSISTANCE BENEFIT
Home assistance referrals to qualified professionals are provided by FBA Consulting Group and can be
a
ccessed by dialing 1-866-289-1713 from Monday to Friday between 8:00 a.m. and 8:00 p.m., EST,
except on holidays.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
LEGAL ASSISTANCE
TELEPHONE LEGAL ASSISTANCE BENEFIT
This appendix adds benefit to the insurance policy to which it is attached.
DESCRIPTION OF BENEFIT
This benefit provides you access to telephone legal assistance for legal questions on matters pertaining
to your private life subject to the exclusions listed below.
EXCLUSIONS
This telephone legal assistance benefit does not apply to a consultation:
(1) in any format other than verbal over the telephone;
(2) which, in our opinion, is to help you commit or continue any illegal act including fraud;
(3) for a matter dealing with criminal law;
(4) for a matter in a jurisdiction outside Canada;
(5) for a matter related to professional, commercial or volunteering activities;
(6) for any matter pertaining to financial and insurance products or services as well as any
employment dispute that opposes you to us or any of our affiliated companies or any of the TD
Bank subsidiaries.
TELEPHONE LEGAL ASSISTANCE BENEFIT
Legal assistance benefit is provided by FBA Consulting Group and can be accessed by dialing
1-866-289-1713 from Monday to Friday between 8:00 a.m. and 8:00 p.m., EST, except on holidays.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
IDENTITY THEFT RECOVERY ENDORSEMENT
This endorsement amends the insurance policy to which it is attached.
Definitions
For the purposes of this endorsement, the following definitions will apply:
Identity theft means:
(1) the act of acquiring key pieces of an Insured person’s identifying information; and
(2) knowingly transferring or using that information, without lawful authority, with the intent to
commit, or aid or abet, any unlawful activity that constitutes a violation of any law.
Occurrence mean
s an act or series of acts by a person or group resulting in an identity theft of the
Insured.
Other
words and expressions in bold are defined in the Definitions section of the insurance policy to
which this endorsement is attached.
Amount of Insurance
The maximum amount we will pay per occurrence is $50,000, including the Extension of Coverage.
Coverage
We cover only expenses incurred to restore your identity. The coverage applies only to an occurrence
which takes place during the period this endorsement is in force.
This coverage is not subject to a deductible.
We will provide you with case management services following an occurrence and our specialists will:
(
1) answer your questions;
(2) inform you on steps that will be taken; and
(3) work with you to restore your identity.
What You Must Do After an Occurrence
You must contact us as soon as you are aware of information that may imply that an identity theft has
occurred.
Covered Expenses
The restoration of your identity may involve various expenses. We cover the following expenses, if they
are pre-approved by our specialists:
(1) notarizing affidavits or similar documents for law enforcement agencies, financial institutions or
similar credit grantors and credit agencies;
(2) postal services to send mail to law enforcement agencies, financial institutions or similar credit
grantors and credit agencies;
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(3) loan application for re-applying for loan due to the rejection of the original application because the
lender received incorrect information;
(4) telephone calls to businesses, law enforcement agencies, financial institutions or similar credit
grantors and credit agencies;
(5) legal aid for:
a) defence of lawsuits brought against the Insured by merchants or their collection agencies;
b) the removal of any criminal or civil judgments wrongly entered against an Insured;
c) challenging the accuracy or completeness of any information in a consumer credit report.
Extension of Coverage
(1) Lost Wages
We cover lost wages due to time off work to meet with or talk to law enforcement agencies, financial
institutions, credit agencies and other private or public entities.
Lost wages include: remuneration for lost floating days, vacation days, discretionary days and paid
personal days.
The maximum we will pay is $5,000.
Additional Exclusions
The following exclusions are in addition to all other exclusions applicable to the insurance policy to
which this endorsement is attached.
WE DO NOT COVER:
(1) expenses other than the expenses incurred to restore your identity;
(2) occurrences related to minors;
(3) occurrences taking place because you did not comply with all the conditions of accessibility to
Internet sites of financial institutions;
(4) any loss or damage related to bodily or psychological injuries arising in connection with an
occurrence;
(5) identity theft arising out of business pursuits of the Insured;
(6) expenses incurred due to any fraudulent, dishonest or criminal act by any Insured or person acting
in concert with any Insured or by any authorized representative of any Insured, whether acting
alone or in collusion with others;
(7) any identity theft in which an Insured participated, directed or had prior knowledge of;
(8) pre-existing identity theft. If an Insured had knowledge of, or reasonably should have had
knowledge of, the pre-existing identity theft based on information provided to them prior to the
endorsement effective date;
(9) losses covered under the Extension of Coverage titled Credit or Debit Cards and Forgery as provided
by the insurance policy to which this endorsement is attached;
(10) loss of wages related to sick days;
(11) expenses incurred without the prior approval of our specialist.
Page 41 of 52
Additional Condition
The following condition is in addition to all other conditions applicable to the insurance policy to which
this endorsement is attached.
(1) You must cooperate with us and deliver all necessary documents as required by us.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
We may use a service supplier situated outside Canada for the purpose of providing services under this
endorsement. It is therefore possible that your personal information, required for the provision of the services, may
be sent outside Canada and be subject to the applicable laws of the country or territory.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
EARTHQUAKE ENDORSEMENT
This endorsement amends the insurance policy to which it is attached. It applies only to locations for which a specific mention
is written on the Coverage Summary page.
Definitions
For the purposes of this endorsement, the following definition will apply:
Earthquake means any seismic event, whether natural or manmade, that causes ground movement. Ground movement
includes avalanche, subsidence, landslide, volcanic eruption or any other ground movement directly resulting from a seismic
event.
Other words and expressions in bold are defined in the Definitions section of the insurance policy to which this endorsement is
attached
.
Amount of Insurance
The amounts of insurance for this endorsement relative to each of Coverages A, B and C under Section I - Property Damage
Coverages are written on the Coverage Summary page.
These amounts apply separately for each coverage, unless you have a single amount of insurance under Section I - Property
Damage Coverages. These amounts represent the maximum we will pay per occurrence, including the Extensions of Coverage.
Extension of Coverage
(1) Building inspection to reoccupy the dwelling:
In addition to the amount of insurance for this endorsement, we will pay for:
(a) the cost of a building inspection performed by a qualified professional when a civil authority requires such an
inspection in order for you to reoccupy the dwelling.*
* If the dwelling is a condominium unit, we will pay only your share of any special assessment imposed under the
Declarations (or Declaration of co-ownership in Quebec).
The deductible does not apply to this coverage.
Insured Perils
We insure loss or damage caused directly to property, including animals, insured under this endorsement by:
(1) an earthquake;
(2) wind, hail, water, rain or snow that enters the building through an opening which has been created suddenly and
accidentally by an earthquake.
LOSS OR DAMAGE DURING REPEATED TREMORS
Any loss or damage referred to within subparagraphs (1) and (2) above that occurs during a period of 168 consecutive hours
will be considered to arise out of one occurrence.
This 168-hour period begins with the first loss or damage caused to the insured property while this endorsement is in effect.
Expiration of this endorsement will not end the 168-hour coverage period.
However, WE DO NOT INSURE loss or damage resulting from an occurrence covered by a previous insurer's insurance policy
under a provision regarding repeated tremors.
Property Excluded
The section titled Property Excluded under Section I - Property Damage Coverages is amended to add the following excluded
property, but only for the purposes of this endorsement:
(1) Property at any location which you own other than locations for which this endorsement is mentioned on the Coverage
Summary page.
This exclusion does not apply to property located at the residence of a student insured under this insurance policy.
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Exclusions
(1) WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by a seiche, tidal wave or tsunami.
(2) WE DO NOT INSURE loss or damage caused to outdoor trees, shrubs, plants and lawns, or the cost of removing them from
the premises. The Extension of Coverage - Outdoor Growing Plants in the policy to which this endorsement is attached does
not apply.
(3) WE DO NOT INSURE loss or damage that occurs before this endorsement comes into effect.
Basis of Settlement
If the Waiver of Deductible clause is included in your policy, it does not apply to losses covered under this endorsement.
Basis of settlement pertaining to Dwelling Building and Detached Private Structures (Dwelling and Improvements and
Betterments for condominiums) under Section I - Property Damage Coverages are modified as follows, but only for the
purposes of this endorsement.
When the option Repair or Replacement Cost Without Deduction for Depreciation is included in the policy to which this
endorsement is attached the following options are added:
(1) CONSTRUCTION ON A DIFFERENT LOCATION IN CANADA
If you choose to build a new dwelling in Canada, the following conditions will apply:
(a) We will pay the amount it would have cost to repair or rebuild, whichever is lower, on the same location:
With material of similar quality as the material in place prior to the occurrence;
For a building with the same occupancy as prior to the occurrence.
(b) The amount paid will not take into account depreciation.
(c) The insurer has the option to retain salvage.
(d) Additional living expense will be payable during the reasonable time it would have taken to repair or rebuild on the
same location, without exceeding the reasonable time required to permanently settle in a new dwelling.
(e) Fair rental value will be payable during the reasonable time it would have taken to repair or rebuild on the same
location.
(2) DIRECT SETTLEMENT
If you choose not to repair or rebuild the dwelling**, the following conditions will apply:
** If the dwelling is a condominium unit, this settlement option applies only to improvements and betterments.
(a) We will pay the amount it would have cost to repair or rebuild, whichever is lower, on the same location:
With material of similar quality as the material in place prior to the occurrence;
For a building with the same occupancy as prior to the occurrence.
(b) The amount paid will include any additional amount that may arise from the application of any bylaw or building
code requirement.
(c) The amount paid will not take into account depreciation.
(d) The insurer has the option to retain salvage.
(e) Additional living expense and fair rental value coverage will end at the time direct settlement is issued to you.
Guaranteed Reconstruction Cost Endorsement or Enhanced Reconstruction Cost Endorsement
If the Guaranteed Reconstruction Cost Endorsement or the Enhanced Reconstruction Cost Endorsement is attached to the same
location as this endorsement, the guaranteed or enhanced reconstruction cost does not apply.
All provisions or sections of the insurance policy not amended by this endorsement continue to apply.
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Home Insurance Policy
Policy no: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
SPECIAL LIMITATIONS APPENDIX
Limitation of Amount Payable for Certain Personal Property
If any personal property is subject to more than one limitation, only the lowest limitation will apply.
(A) In the event of an insured occurrence, for all personal property belonging to a category listed in (1)
to (6) below, we will pay a maximum amount of:
(1) $500 for bullion, bank notes and money, including cash cards, plastic money and gift certificates.
(2) $5,000 for boats or watercraft, whether assembled or not, including their furnishings, equipment,
accessories, motors and trailers.
(3) $2,000 for goods or samples intended for sale but not pertaining to a business.
(4) $10,000 for lawn mowers, garden-type tractors, snow blowers, drawn machinery and utility
trailers, including their equipment and accessories.
(5) $10,000 for wine and spirits.
(6) $1,000 for cannabis in all consumable forms and cannabis plants, whether for recreational or
medicinal use.
(B) In the event of theft, loss or mysterious disappearance, all personal property belonging to a category
listed in (1) to (5) below, we will pay a maximum amount of:
(1) $5,000 for jewellery, precious or semi-precious stones, pearls and watches, fur garments,
garments trimmed with fur and all other fur items.
(2) $5,000 for silverware, silver-plated ware, gold ware, gold-plated ware and pewter ware not
subject to any other limitation.
(3) $2,000 for each pedal or electric bicycle, including its equipment and accessories, whether or not
attached to a bicycle.
(4) $10,000 for collections not subject to any other limitation.
(5) $20,000 for works of art not subject to any other limitation.
Works of art include, but are not limited to:
• paintings, pictures, drawings, etchings, engravings, prints and lithographs, including their
frames;
• sculptures, statuettes and assemblages;
• hand-made rugs and tapestries.
(C)Limitation of Amount Payable for Certain Personal Property on items described in (A) (1), (B) (1) and
(B) (4), does not apply when the loss or damage occurs on the premises of any financial institution
where an Insured rents a safety deposit box.
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Standard Mortgage Clause
(approved by the Insurance Bureau of Canada)
It is hereby provided and agreed that :
1. Breach of Conditions by Mortgagor, Owner or Occupant
This insurance and every documented renewal thereof as to the interest of the mortgagee only therein
is and shall be in force notwithstanding any act, neglect, omission or misrepresentation attributable to
the Mortgagor, Owner or Occupant of the property insured, including transfer of interest, any vacancy
or non-occupancy, or the occupation of the property for purposes more hazardous than specified in the
description of the risk; provided always that the Mortgagee shall notify forthwith the Insurer (if known)
of any vacancy or non- occupancy extending beyond thirty (30) consecutive days, or of any transfer of
interest or increased hazard that shall come to his knowledge; and that every increase of hazard (not
permitted by the policy) shall be paid for by the Mortgagee on reasonable demand from the date such
hazard existed, according to the established scale of rates for the acceptance of such increased
hazard, during the continuance of this insurance.
2. Right of Subrogation
Whenever the Insurer pays the Mortgagee any loss award under this policy and claims that – as to the
Mortgagor or Owner – no liability therefore existed, it shall be legally subrogated to all rights of the
Mortgagee against the insured; but any subrogation shall be limited to the amount of such loss
payment and shall be subordinate and subject to the basic right of the Mortgagee to recover the full
amount of its mortgage equity in priority to the Insurer; or the Insurer may at its option pay the
Mortgagee all amounts due or to become due under the mortgage or on the security thereof, and shall
thereupon receive a full assignment and transfer of the mortgage together with all securities held as
collateral to the mortgage debt.
3. Other Insurance
If there be other valid and collectible insurance upon the property with loss payable to the Mortgagee –
at law or in equity – then any amount payable thereunder shall be taken into account in determining
the amount payable to the Mortgagee.
4. Who May Give Proof of Loss
In the absence of the Insured, or the inability, refusal or neglect of the Insured to give notice of loss or
deliver the required Proof of Loss under the policy, then the Mortgagee may give the notice upon
becoming aware of the loss and deliver as soon as practicable the Proof of Loss.
5. Termination
The term of this Mortgage Clause coincides with the term of the policy;
Provided always that, except for the province of Québec, t
he Insurer reserves the right to cancel the
policy as provided by Statutory provision but agrees that the Insurer will neither terminate nor alter the
policy to the prejudice of the Mortgagee without the notice stipulated in such Statutory provision.
Provided always that in the province of Québec, the Insurer reserves the right to cancel the policy as
provided by Articles 2477 and 2478 of the Civil Code of Québec, but agrees that the Insurer will neither
terminate nor alter the policy to the prejudice of Mortgagee without 15 days’ notice to the Mortgagee by
registered letter.
6. Fo
reclosure
Should title or ownership to said property become vested in the Mortgagee and/or assigns as owner or
purchaser under foreclosure or otherwise, this insurance shall continue until expiry or cancellation for
the benefit of the said Mortgagee and/or assigns.
Subject to the terms of this mortgage clause (and these shall supersede any policy provisions in conflict
therewith but only as to the interest of the Mortgagee), loss under the policy is made payable to the Mortgagee.
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Page 47 of 52
Home Insurance Policy
Policy number: XXXXXXXXXX
Insurer: XXXXXXXXXX
Effective Date (yyyy-mm-dd): XXXX-XX-XX
Attached to and forming part of this policy
GENERAL CONDITIONS
(Quebec)
This policy is subject to the Civil Code of the Province of Québec
Reference to Civil Code articles in some instances is for easier reading only and should not be construed as
exact quotations.
For all coverages except where inapplicable.
1. STATEMENTS
1.1 Representation of risk (Article 2408)
The client, and the Insured if the Insurer requires it, is bound to represent all the facts known to him which
are likely to materially influence an insurer in the setting of the premium, the appraisal of the risk or the
decision to cover it, but he is not bound to represent facts known to the Insurer or which from their
notoriety he is presumed to know, except in answer to inquiries.
The client means the person submitting an insurance application.
1.2 Material change in risk (Articles 2466 and 2467)
The Insured shall promptly notify the Insurer of any change that increases the risks stipulated in the policy
and that results from events within his control if it is likely to materially influence an insurer in setting the
rate of the premium, appraising the risk or deciding to continue to insure it.
On being notified of any material change in the risk, the Insurer may cancel the contract or propose, in
writing, a new rate of premium. Unless the new premium is accepted and paid by the Insured within thirty
days of the proposal, the policy ceases to be in force.
1.3 Misrepresentations or concealment (Articles 2410, 2411 and 2466)
Any misrepresentation or concealment of relevant facts mentioned in section 1.1 and in the first paragraph
of section 1.2 by the client or the Insured nullifies the contract at the instance of the Insurer, even in respect
of losses not connected with the risk so misrepresented or concealed.
Unless the bad faith of the client or of the Insured is established or unless it is established that the Insurer
would not have covered the risk if he had known the true facts, the Insurer remains liable towards the
Insured for such proportion of the indemnity as the premium he collected bears to the premium he should
have collected.
1.4 Warranties (Article 2412)
Any increase in risk resulting from a breach of warranty suspends the coverage until accepted by the
Insurer or until such breach has been remedied by the Insured.
2. GENERAL PROVISIONS
2.1 Insurable interest (Articles 2481 and 2484) (Applicable only to property insurance)
A person has an insurable interest in a property where the loss or deterioration of the property may cause
him direct and immediate damage. It is necessary that the insurable interest exist at the time of the loss
but not necessary that the same interest have existed throughout the duration of the contract. The
insurance of a property in which the Insured has no insurable interest is null.
2.2 Changes (Article 2405)
The terms of this policy shall not be waived or changed except by endorsement.
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2.3 Assignment (Articles 2475 and 2476)
This policy may be assigned only with the consent of the Insurer and in favour of a person who has an
insurable interest in the insured property.
Upon the death or bankruptcy of the Insured or the assignment of his interest in the insurance to a
co-Insured, the insurance continues in favour of the heir, trustee in bankruptcy or remaining Insured,
subject to his performing the obligations that were incumbent upon the Insured.
2.4 Books and records
The Insurer and its authorized representatives shall have the right to examine the Insured’s books and
records related to the subject matter of this insurance at any time during the period of this policy and the
three subsequent years.
2.5 Inspection
The Insurer and its authorized representatives shall have the right but are not obligated to make
inspections of the risk, inform the Insured of the conditions found and recommend changes. Any
inspections, surveys, findings or recommendations relate only to insurability and the premiums to be
charged. They shall not constitute a warranty that the premises, property or operations are safe or
healthful or comply with laws, codes or standards.
2.6 Currency
All limits of insurance, premiums and other amounts as expressed in this policy are in Canadian currency.
3. LOSSES
3.1 Notice of loss (Article 2470)
The Insured shall notify the Insurer of any loss which may give rise to an indemnity, as soon as he
becomes aware of it. Any interested person may give such notice.
In the event that the requirement set out in the preceding paragraph is not fully complied with, all rights
to compensation shall be forfeited by the Insured where such non-compliance has caused prejudice to
the Insurer.
3.2 Information to be provided (Article 2471)
The Insured shall inform the Insurer as soon as possible of all the circumstances surrounding the loss,
including its probable cause, the nature and extent of the damage, the location of the insured property,
the rights of third parties, and any concurrent insurance; he shall also furnish him with vouchers and
swear or warrant to the truth of the information.
Where, for a serious reason, the Insured is unable to fulfil such obligation, he is entitled to a reasonable
time in which to do so. If the Insured fails to fulfil his obligation, any interested person may do so on his
behalf.
In additon, the Insured shall forthwith send to the Insurer a copy of any notice, letter, subpoena or writ or
document received in connection with a claim.
3.3 False representation (Article 2472)
Any deceitful representation entails the loss of the right of the person making it to any indemnity in
respect of the risk to which the representation relates.
However, if the occurrence of the event insured against entails the loss of both movable and immovable
property or of both property for occupational use and personal property, forfeiture is incurred only with
respect to the class of property to which the representation relates.
3.4 Intentional Fault (Article 2464)
The Insurer is never liable to compensate for injury resulting from the Insured’s intentional fault. Where
there is more than one Insured, the obligation of coverage remains in respect of those
Insureds who have not committed an intentional fault.
Where the Insurer is liable for injury caused by a person for whose acts the Insured
Page 49 of 52
3.5 Notice to police
(applicable to property insurance only)
The Insured must promptly give notice to the police of any loss caused by vandalism, theft or attempted
theft or other criminal act.
3.6 Safeguarding and examination of property (Article 2495)
(applicable to property insurance only)
At the expense of the Insurer, the Insured must take all reasonable steps to prevent further loss or
damage to the insured property and any further loss or damage resulting directly or indirectly from the
Insured’s failure to take such action shall not be recoverable.
The Insured may not abandon the damaged property if there is no agreement to that effect. The Insured
shall facilitate the salvage and inspection of the insured property by the Insurer.
He shall, in particular, permit the Insurer and his representatives to visit the premises and examine the
insured property before repairing, removing or modifying the damaged property, unless so required to
safeguard the property.
3.7 Admission of liability and cooperation
The Insured shall cooperate with the Insurer in the processing of all claims.
(The following two paragraphs are applicable to liability insurance only: article 2504). No transaction
made without the consent of the Insurer may be set up against him.
The Insured shall not admit any liability nor settle or attempt to settle any claim, except at his own risk.
3.8 Right of action (Article 2502)
(applicable to liability insurance only)
The Insurer may set up against the injured third person any grounds he could have invoked against the
Insured at the time of the loss, but not grounds pertaining to facts that occurred after the loss; the Insurer
has a right of action against the Insured in respect of facts that occurred after the loss.
4. COMPENSATION AND SETTLEMENT
4.1 Basis of settlement (Articles 2490, 2491, 2493)
(applicable to property insurance only)
Unless otherwise provided, the Insurer shall not be liable for more than the actual cash value of the
property at the time of loss as normally determined.
In unvalued policies, the amount of insurance does not make proof of the value of the insured property.
In valued policies, the agreed value makes complete proof, between the Insurer and the Insured, of the
value of the insured property.
If the amount of insurance is less than the value of the property the Insurer is released by paying the
amount of the insurance in the event of total loss or a proportional indemnity in the event of partial loss.
4.2 Pair and set
(applicable to property insurance only)
In the case of loss of or damage to any article or articles, whether scheduled or unscheduled, which are
part of a set, the measure of loss of or damage to such article or articles shall be a reasonable and fair
proportion of the total value of the set, but in no event shall such loss or damage be construed to mean
total loss of set.
4.3 Parts
(applicable to property insurance only)
In the case of loss of or damage to any part of the insured property, whether scheduled or unscheduled,
consisting, when complete for use, of several parts, the Insurer is not liable for more than the insured
value of the part lost or damaged, including the cost of installation.
4.4 Fire insurance (Articles 2485 and 2486)
(applicable to property insurance only)
In fire insurance, the insurer is bound to repair any damage which is an immediate consequence of fire or
combustion, whatever the cause, including damage to the property during removal or that caused by the
means employed to extinguish the fire, subject to the exceptions specified in the policy. The insurer is also
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liable for the disappearance of insured things during the fire, unless he proves that the disappearance is
due to theft which is not covered.
The insurer is not liable for damage caused solely by excessive heat from a heating apparatus or by any
process involving the applications of heat where there is no fire or commencement of fire but, event
where there is no fire, the insurer is liable for damage caused by lightning or the explosion of fuel.
An insurer who insures a property against fire is not liable for damage due to fires or explosions caused
by foreign or civil war, riot or civil disturbance, nuclear explosion, volcanic eruption, earthquake or other
cataclysm.
4.5 Replacement (Article 2494)
(applicable to property insurance only)
Subject to the rights of preferred and hypothecary creditors, the Insurer reserves the right to repair,
rebuild or replace the insured property. He is then entitled to salvage and may take over the property.
4.6 Time of payment (Articles 1591, 2469 and 2473)
The Insurer shall pay the indemnity within sixty days after receiving the notice of loss or, at his request,
all relevant information and vouchers, provided the Insured shall have complied with all the terms of the
contract.
Any outstanding premium may be deducted from the indemnity payable.
4.7 Property of others
(applicable to property insurance only)
Where a claim is made as a result of loss of or damage to property not owned by the Insured, the Insurer
reserves the right to pay the indemnity to the Insured or to the owner of the property and to deal directly
with such owner.
4.8 Waiver
Neither the Insurer nor the Insured shall be deemed to have waived any term or condition of the policy by
any act relating to arbitration or to the completion or delivery of proof of loss, or to the investigation or
adjustment of the claim.
4.9 Limitation of actions (Article 2925)
Every action or proceeding against the Insurer under this policy shall be commenced within three years
from the date the right of action has arisen.
4.10 Subrogation
i. Subrogation (Article 2474):
Unless otherwise provided, the Insurer shall be subrogated to the extent of the amount paid or the
liability assumed therefore under this policy to the rights of the Insured against persons responsible for
the loss except when they are members of the Insured’s household. The Insurer may be fully or partly
released from his obligation towards the Insured where, owing to any act of the Insured, he cannot be
so subrogated.
ii. Subrogation - Condo only:
Upon making a payment, we will be subrogated to your rights of recovery against others liable for
the loss. Subrogation applies up to the amount paid. However, we agree to waive our right of
subrogation, except with respect to criminal or intentional acts or vehicle impact, as to any claim
against:
(a) the syndicate’s directors, its property managers, agents and employees;
(b) a unit owner and, if residents of the household of a unit owner, his or her spouse, the relatives of
either and any other person under 18 years of age in the care of a unit owner or his or her spouse,
and against the syndicate, provided you have waived your right of legal action against such person
prior to the loss.
Independent contractors shall not be considered agents or employees of the syndicate, its directors or
property managers or of the unit owner.
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Any release from liability entered into by you prior to the occurrence does not affect your right to recover.
5. OTHER INSURANCE
5.1 Property insurance (Article 2496)
The Insured who, without fraud, is insured by several insurers, under several policies, for the same interest
and against the same risk so that the total amount of indemnity that would result from the separate
performance of such policies would exceed the loss incurred may be indemnified by the insurer or
insurers of his choice, each being liable only for the amount he has contracted for.
No clause suspending all or part of the performance of the contract by reason of other insurance may
used against the Insured.
Unless otherwise agreed, the indemnity is apportioned among the insurers in proportion to the share of
each in the total coverage, except in respect of specific insurance, which constitutes primary insurance.
5.2 Liability insurance
The liability insurance provided under this policy is primary insurance except when stated to apply in
excess of, or contingent upon the absence of, other insurance. When this insurance is primary and the
Insured has other insurance which is stated to be applicable to the loss on an excess or contingent basis,
the amount of the Insurer’s liability under this policy shall not be reduced by the existence of such other
insurance. When both this insurance and other insurance apply to the loss on the same basis whether
primary, excess or contingent, the Insurer shall not be liable under this policy for a greater proportion of
the loss than that stated in the applicable contribution provision below:
- Contribution by equal share:
If all of such other collectible insurance provides for contribution by equal shares, this Insurer shall not
be liable for a greater proportion of such loss than would be payable if each insurer contributed an
equal share until the share of each insurer equals the lowest applicable limit of liability under any one
policy or the full amount of the loss is paid, and with respect to any amount of loss not so paid the
remaining insurers then continue to contribute equal shares of the remaining amount of the loss until
each such insurer has paid its limit in full or the full amount of the loss is paid.
- Contribution by limits:
If any such other insurance does not provide for contribution by equal shares, this Insurer shall not be
liable for a greater proportion of such loss that the applicable limit of liability under this policy for such
loss bears to the total applicable limit of liability of all valid and collectible insurance against such loss.
6. CANCELLATION (Articles 2477 and 2479)
This policy may be cancelled at any time:
a) By mere written notice from each of the Named Insureds. Termination takes effect upon receipt of
the notice and the Insured shall therefore be entitled to a refund of the excess of the premium actually
paid over the short-term rate for the expired time.
b) By the Insurer giving written notice to each Named Insureds. Termination takes effect fifteen days
following receipt of such notice by the Insured at his last known address and the Insurer shall refund
the excess of premium actually paid over the pro rata premium for the expired time. If the premium is
subject to adjustment or determination as to amount, the refund shall be made as soon as
practicable.
Where one or more of the Names Insureds have been mandated to receive or send the notices provided
for under paragraph a) or b) above, notices sent or received by them shall be deemed to have been sent
or received by all Named Insureds.
In this Condition, the words “premium actually paid” means the premium actually paid by the Insured to
the Insurer or its representative but do not include any premium or part thereof paid to the Insurer by a
representative unless actually paid to the representative by the Insured.
7. NOTICE
Any notice to the Insurer may be sent by any recognized means of communication to the Insurer or its
authorized representative. Notice may be given to the named Insured by letter personally delivered to
him or by mail addressed to him at his last known address.
It is incumbent upon the sender to prove that such notice was received.
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