Smart Home Benefits

Unlimited Protection

Is there a set amount that I will be covered for?

With a Smart Home policy, you can be assured your property and valuables will be replaced. Smart Home provides unlimited replacement protection for most homes and personal property. It also includes $1,000,000 comprehensive personal liability coverage, with higher limits available.

Personalized Claims Service

How will I be treated when I make a claim?

Our claims department is dedicated to offering fair, timely, and compassionate claims service that is unsurpassed in the industry. You can rest assured that our staff will handle your claim professionally to ensure that your claim is settled to your satisfaction as fast as possible with minimal disruption.

Discounts & Deductibles

What kinds of discounts are there?

Every home is unique. If you take extra care in day-to-day activities and you engage in preventative measures to protect your home, we reward you by discounting your premium. Here are a few of the features and characteristics we look for when applying discounts:

  • Claims Free
  • Mature Owners
  • Alarm Systems
  • Higher Deductibles
  • Mortgage Free
  • New Homes
  • Block Watch
  • Emergency Services Personnel

Better Coverage

What's covered in a Smart Home Policy?

The following items are included in your coverage automatically:

  • Lock Replacement
  • 30 Day Vacancy
  • Food Freezer
  • Student Property
  • Fire Department Charges
  • Contingent Assessment
  • Improvements & Betterments
  • Accidental Death by Fire
  • Waterbed
  • Credit Cards
  • Evacuation Rental Income
  • Bylaws ($10,000)
  • Sewer Back Up/Water Escape
  • Business Property ($5,000)
Optional coverage available:
  • Earthquake
  • Hobby Farm
  • Golf Carts
  • Bed & Breakfast
  • Home Based Business Cover
  • Extended Bylaws
  • Day Care
  • Watercraft
  • Extended Business Property

Special Property with Simplicity

Can I tailor my policy to fit my needs?

Although residential policies contain some standard limitations on special property, our policy allows you to increase these limits to fit your needs. Special property includes:

  • Jewellery
  • Silverware
  • Sports Collectibles
  • Furs
  • Fine Arts
  • Student Property

For more information

Please contact us for more information, or for a more personal experience, come in to the office to speak with one of our friendly and knowledgeable insurance specialists.