HOME INSURANCE - for Townhouse

If you own a townhouse, we have a very good policy to meet your special needs. Our Townhouse Policy gives you the coverage and options you need and the peace of mind you're looking for. We can help you find the right coverage combinations to meet your lifestyle and budget.

Real Property
Your townhouse and separate structure are covered for almost any type of damages except for a few common exclusions, such as wear and tear, earth movement, flood, nuclear hazard and earthquake.

Personal Property
Your content or personal property is covered, subject to the policy limits and provisions.

Your personal property is covered if it is damaged by:

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Falling objects
• Aircraft or vehicles
• Smoke, if sudden and accidental
• Vandalism or theft
• Weight of ice, snow or sleet
• Accidental discharge or overflow of water or steam from a plumbing, heating, air conditioning system of household appliance
• Sudden and accidental tearing apart, cracking, burning, or bulging of a steam, hot water, or air conditioning system, or appliance for heating water
• Freezing of a plumbing, heating, air conditioning system or household appliance
• Sudden and accidental damage from artificially generated electrical current

Personal Liability Coverage
Personal Liability pays for bodily injuries to other people, or damage to their property, if you are liable resulting typically from:

• Use of your premises (including swimming pools). Other residential property you use as a rental can also be added
• Unintentional acts by you or your family member, either on or off your premises
• The acts of your pets

Optional coverages

• Personal Articles Floater
• Mortgage Protection Life Insurance

Discounts
Check if you qualify for the discounts