Discuss all the features of your home and property to enjoy personalized Emerald Park home insurance. Don’t settle for a generic plan that isn’t suited for your home, but invest in insurance that is designed for your home and your local community. Here are a few features to discuss in order to keep your plan up to date:

• Additional structures
• Renovations
• Personal property

Many general home insurance policies don’t cover structures beyond your home. If you have barns, detached garages or garden sheds, be sure to inform your insurance agent. These additional structures need to be included on your policy to ensure complete coverage.

Home improvements are a great way to add value to your Emerald Park home. If you’ve increased the value of your home through remodeling, a new addition or another renovation, let your insurance team know. We’ll include the added value to your policy to cover the full value of any damage to your home.

Finally, valuable personal property shouldn’t exceed the total value of your personal property protection policy. If you’ve just invested in new furniture, clothing or computer devices, check your personal property protection against the estimated value of your possessions.

There are a number of essential coverage areas that need to be included in any home insurance plan in Saskatchewan. Our team at HUB International will include these essential components in your insurance policy:

• Liability coverage
• Dwelling protection
• Medical payments coverage

Liability coverage protects you from the cost of lawsuits that an injured individual could bring against you in the event of an injury on your property. Medical payment coverage can take care of hospital bills related to injuries on your property. Together, these coverage areas give you peace of mind as you invite family and friends to your new home.

Dwelling protection covers the physical structure of your home. It details a number of specific, common perils that are covered in the event of a tragedy. Enjoy full replacement costs in the event of a fire, vandalism or other common perils.

After the required Emerald Park home insurance areas, there are a few areas that are worth considering. Find out if your home needs one or more of these additional policy options for greater peace of mind. A common additional policy is living expenses coverage. When your home is damaged in a fire, flood or other disaster, you need to find another place to live. Living expenses coverage gives you the financial assistance you need to find emergency accommodations.

Flood insurance is another common item to consider for your home. Frozen pipes is an unfortunate reality in Saskatchewan, so protect your home from flooded from burst pipes with the right policy option. Ask your agent for more information about flooding and other water damage concerns.