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Home Insurance Frequently Asked Questions

Home Insurance – What happens if...

You are covered. Technically the animal vandalized your home. Vandalism is covered under most home insurance companies.

You are covered if your policy includes flood insurance. Watch out for an increased policy excess – many insurance companies, and the direct insurers in particular, have recently imposed increased water damage policy excesses.

You are not covered. Selling cost is not insurable. Your home is insured for the amount you will need to rebuild it and replace the contents.

You are covered for the loss of food in your fridge and freezer, usually up to a certain value. Electronics, such as a TV, laptop are not covered for a surge of power that may occur when the electricity comes back on. If the surge is due to lightening, then these electronic devices are covered because lightening is an insured peril.

Yes. Any damage caused by lightning – such as fire or damage to electronics from a surge – is covered.

Yes you are covered. This is called a sudden and accidental loss.

You are covered and the insured peril is called impact.