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Natural disaster and other incident: Am I covered?

Your home was damaged

Accident or loss?

Count on us 24/7


You're asking yourself: Am I covered? Learn more here about the coverage related to your incident.

Two ways to check your insurance coverage

Standard coverage

Although most of our home insurance policies provide all-risk coverage, some may cover only named perils. Refer to your policy to find out which type of insurance you have.

Property Damage Coverages with All-risk Insurance

With all-risk insurance, your property is protected against damage from most major accidents like fire, theft, vandalism and certain types of water damage.

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Damage to your cottage or seasonal dwelling

We offer a range of insurance products to meet our clients’ individual needs. Refer to your home insurance policy to learn more about your coverage.

Additional coverage

Each insurance policy is different. When you took out your policy, one or more of the following optional coverages may have been added based on your needs.

Still have questions?

Don't hesitate to call or email your claims advisor, who can explain the details of your insurance coverage.

Accident or loss?

Count on us 24/7—by phone or online

Find a recommended provider

Is immediate action required? Choose from our network of recommended providers. We take care of everything, and you get top quality service.


  • Emergency cleanup
  • Renovation


Reasons to choose a recommended provider

  • Work gets started sooner
  • Detailed work plan, so you can track progress
  • Five-year warranty on work
  • Efficient, professional service
  • The information provided on this page is meant for informational purposes only. Full details regarding coverage and exclusions can be found in the home insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.