Personal Property with Special Limits of Coverage (Homeowners)

For the types of property below, we will pay for loss or damage that exceeds your deductible amount, but only to the applicable maximum limit as follows for each homeowners insurance plan.

Note: If you need additional protection for any of the items marked with an “**”, please call us at 1-877-749-7224.

  Total Coverage Limits Up To
Personal Property Type Enhanced Plus Plan Enhanced Plan Basic Plan
Books, licensed computer software, tools and equipment used in connection with a business and only while on the premises ** $5,000 $3,500 $2,500
Securities $5,000 $3,500 $2,500
Money, coins and bullion $500 $500 $500
Goldware, silverware and pewterware ** $10,000 $10,000 $10,000
Watercraft, their equipment, accessories, and furnishings **

(Watercraft means boat(s), permanently attached equipment and accessories, as well as sailboats and windsurfers, all 8 metres (26 feet) or less in length.)
$2,500 $2,000 $1,500
Motors used with watercraft ** $1,000 $1,000 $1,000
Computer software for personal use ** $5,000 $3,500 $2,500
Garden tractors and equipment, riding lawn mowers, snow blowers, and their attachments and accessories ** $5,000 $5,000 $5,000
Animals, birds and fish or any pet $2,000 $2,000 $2,000
Sports memorabilia, collector cards, and comic books ** $1,000 $1,000 $1,000
Spare automobile parts, subject to a maximum of $250 per item $1,000 $1,000 $1,000
Wine and spirits, subject to a maximum of $100 per container $5,000 $3,500 $2,500
Fine art or antiques including but not limited to, sculptures, religious artefacts, hand-made rugs or tapestries $10,000 $7,500 $5,000

If any of the items or collections described below are stolen, we will pay the replacement cost that exceeds the deductible, as follows for each plan. (For the Enhanced Plus plan only, coverage is also provided if the item is lost or mysteriously disappears.)

  Total Coverage Limits Up To
Personal Property Type Enhanced Plus Plan Enhanced Plan Basic Plan
Jewellery, watches, precious or semi-precious stones ** $5,000 $3,500 $2,500
Fur garments and garments trimmed with fur ** $2,500 $2,000 $2,000
Manuscripts, stamps and stamp collections ** $1,000 $1,000 $1,000
Coin collections and numismatic property ** $500 $500 $500
Each bicycle, tricycle or unicycle, including its equipment and accessories ** $1,000 $1,000 $1,000
Guns, ammunition and accessories ** $1,000 $1,000 $1,000

The total coverage limit noted above will apply whether you are claiming for one item or several items of that type. Please call us at 1-877-749-7224 if any of these limits don’t adequately protect your possessions.