Once you receive these essential coverage features, ask your insurance about additional coverage features to add to your policy. Here are some areas where you can extend your coverage and protect your investment:

• Additional structure protection
• Additional living expenses coverage
• Personal property coverage
• Flood and additional peril coverage

Many homes in Winnipeg have additional structures that may not be included in standard dwelling protection policies. Ask your insurance agent about the limits of your dwelling protection policy to see if you need coverage for a tool shed, garage or other feature.

Some tragedies leave your home unlivable. In the event of a serious fire, flood or other peril, you need a new place to stay while your home is restored. Add additional living expenses to your insurance policy to cover these additional expenses. You can afford a short-term rental, hotel and additional grocery and restaurant expenses as you keep your family safe and wait for your home to be repaired.

Finally, your personal property can be damaged in the event of a disaster. Don’t lose out on the price of your furniture, clothing and electronic devices when your home is flooded or otherwise damaged. Add coverage that insures your property up to the full value of your belongings for greater peace of mind.

Not all dwelling protection policies cover unusual incidents in Winnipeg, like flooding. Find out if your home is protected from a flood and ask about adding this feature to your policy if you live in a neighborhood that experiences flooding.

Personalized home insurance in Winnipeg is more affordable than generic coverage options and protects your home from specific perils common to Winnipeg. Work with a local agent at HUB International to ask about any discounts applicable to your policy. Consider bundling home, auto and other insurance options to reduce the price of each individual policy.

An agent can discuss all your policy options to see how you can reduce the cost of your premium without compromising on quality coverage. From minor policy alterations to bundled discounts, these options won’t leave you without protection in the event of a tragedy.

There are a number of ways you can add value to your home and your personal property. After a remodeling project or major investment in belongings, inform your insurance agent. Your home insurance in Winnipeg should be updated any time you change the value of your home to be sure the replacement value is high enough to cover your renovations and possessions.

Many homeowners invest in significant renovations without changing their insurance policy. In the event of a disaster, these alterations won’t be covered and you may lose this additional investment. Keep all of your home additions and renovations covered from any tragedy.