Extensions of Coverage
No deductible applies to this electrical power supply interruption extension.
What is freezer food?
C82 St. 4 p. 10
Insured has laptops in a closet obtained by unconventional means.
What is property illegally acquired?
C82 St. 4 p. 12
Insured covers up a broken dining room window.
What is Sue and Labour?
C82 St. 4 p. 18
The condominium corporation owns and is responsible to insure.
What is the building and common elements?
C82 St. 5 p. 6
Poses a danger to children and at the same time draws them to it.
What is attractive nuisance?
C82 St. 7 p. 5
This extension applies when the insured's property is in a truck on its way to their new home.
What is moving property to a new residence?
C82 St. 4 p. 10
A painting the insured owns is being displayed in an art gallery.
What is property on exhibit?
C82 St. 4 p. 12
Maker, type of movement, stones in the setting, engraving, or other identifying marks are required for this personal article.
What is a watch?
C82 St. 4 p. 21
Changes that differ from the original unit delivered by the builder.
What is improvements and betterments?
C82 St. 5 p. 8
Harm resulting from activities or conditions that are extremely dangerous.
What is strict liability?
C82 St. 7 p. 6
An automatic increase in limits after a loss or at renewal.
What is inflation?
C82 St. 4 p. 10
This type of building is not covered under a homeowner policy.
What is buildings for farming?
C82 St. 4 p. 12
The clause limits coverage when one or more water-related losses happen simultaneously.
What is an anti-concurrent causation clause?
C82 St. 4 p. 27
Used when the condominium corporation's policy had a coinsurance clause penalty and needs a special assessment from all owners.
What is loss assessment?
C82 St. 5 p. 8
This type of property is not covered by a personal liability policy.
What is business property?
C82 St. 7 p. 12
Can increase the limit of insurance a small amount like 5%.
What is debris removal?
C82 St. 4 p. 10
An occupant has moved out with no intention of returning to the building.
What is vacant building?
C82 St. 4 p. 13
Includes costs to replace landscaping removed or damaged during repair.
What is service line coverage?
C82 St. 4 p. 28
Used when the condominium corporation needs to meet a large deductible which results in a special assessment to all owners.
What is deductible buy-down coverage?
C82 St. 5 p. 10
This benefit section pays the insured up to $100 per day for lost earnings when it is at the request of the insurer.
What is Defence, Settlement, and Supplementary Payments?
C82 St. 7 p. 15
Property covered for only a specified time, in a proportional rate, and doesn't provide an increase in the policy limit.
What is property removed to protect it from loss?
C82 St. 4 p. 10
Squirrels in the attic ate the electrical wires which caused the fire.
What are pests?
C82 St. 4 p. 12
Cost of notarizing affidavits or sending certified mail is covered for this coverage option.
What is Identity Theft coverage?
C82 St. 4 p. 31
Insured's condo corporation's policy had inadequate coverage to repair water damage from a defective building fire suppression system to their unit. This coverage paid to repair the unit.
What is unit additional protection?
C82 St. 5 p. 10
This exclusion would apply if a bookkeeper made a calculation mistake which caused the insured a financial loss.
What is rendering of professional service?
C82 St. 7 p. 17