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Home Insurance Coverage

Choosing to have your home covered by insurance is something that you will contemplate at some point. Home insurance in Canada is normally necessary for any mortgage lender to approve your mortgage. Home insurance is beneficial to have because you never know exactly when an accident might happen.

What to Do After an Accident

If any type of accident does occur, you will want to contact your local insurance agent right away. Your agent will be able to speak with you and advise you of what to do next. Often times, a claim will be filed and the insurance company will ask for all of the information regarding the incident.

Once the insurance company has all of the evidence and paperwork, they will then proceed with the claims process and get you and your home taken care of.

It is very important to make sure that you provide your insurance company with all of the information you have regarding your claim. This will speed up the process and also guarantee coverage for any disaster.

Floods, Earthquakes, and Fire Damage

There are different types of accidents that can happen to your home and when you have the right protection, you will not have to worry about what will happen to you and your family.

When a disaster strikes your home, you may run out of electricity, water, gas, phone service and more. This can be a dangerous and also scary situation for you. Being prepared and knowing what to do will allow you to prepare better.

An earthquake can affect your home and when it does, you must not fear. If you have earthquake coverage, you will be covered in the event your home has incurred any damage. Any types of loss or damage to the home is often covered by your earthquake insurance. Standard home insurance does not cover earthquakes and it is a separate type of policy.

Flood are very devastating and can wipe out your entire home when you least expect it. This type of coverage is available for you to purchase in addition to your insurance policy. This type of policy will protect your home and the contents inside your home if a flood occurs. Home insurance in Canada does not cover any type of storm surges or flooding so this coverage is very beneficial.

Fires can cause a lot of damage to your home not just from the fire itself but from the smoke and water to put the fire out. A fire accident is a very messy disaster in your home and many times, homes are considered a total loss after one. Your belongings will also need to be replaced as they will burn in the fire and fuel it. This type of insurance is also an optional coverage and will keep you protected from any type of fire damage.

Different Types

There are different types of home insurance that are offered to home owners for their protection. Each of the plans will vary in what they cover and it is important to make sure that you choose the plan that is perfect for your home and also situation.

The above mentioned coverage for earthquakes, fires, and floods are all additional add on plans that can be added to your base plan to protect your home.

One of the plans offered by insurance companies is a basic plan. This type of plan is often very affordable for people but it is also limited in the coverage that there is. You will only receive basic services and coverage from this type of plan.

A comprehensive plan is available to cover your home and the belongings in your home. This plan offers more coverage than the basic plan but it does not cover any types of major disasters.

Lastly, you can purchase a plan that includes both comprehensive and basic coverage. This plan is going to be more expensive but it is popular and covers you for most things.

As a homeowner, you will want to make sure that you are looking into your insurance options and always making sure that you have purchased the coverage you want. Speaking with an agent will allow you to know what you currently have and what is available to you.

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