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Insurance Solutions

Sometimes the little add-ons make the biggest difference when it comes to protecting your home.

Your property insurance policy already does a fantastic job of protecting your home and the treasures inside (and around) it. But here’s the thing—no single policy covers everything. That’s where endorsements (a fancy word for “add-ons”) come in to fill the gaps!

Depending on your insurance company, different options may be available, but here are some of the most popular extras people choose:

Building Bylaws Endorsement
Helps cover the extra costs of demolition, construction, or repairs if you need to bring your home up to current building codes after a claim.
Claims-Free Protection
Protects that sweet claims-free discount, even if you have to make a claim.
Contents & Property Off Premises
Coverage for your stuff, even when it’s stored away from home.
Glass Breakage
From skylights to sunroom glass—if it breaks by accident, you’re covered.
Home-Based Business Coverage
Running a business from home? Extend your coverage to keep it protected.
Home Equipment Breakdown
If your furnace, A/C, or other equipment suddenly breaks down mechanically or electrically, this coverage has your back.
Identity Fraud Expense Coverage
Covers costs to help restore your identity if you become a victim of fraud.
Overland Water Coverage
Protects against water damage caused by things like heavy rainfall, runoff, or overflowing rivers/creeks.
Service Line Coverage
If underground piping or wiring leading to your home gets damaged, this coverage steps in.
Sewer Backup
Covers damage if water or sewage backs up or overflows into your home from a sewer, sump, or septic tank.
Short-Term Rental Endorsement
Planning to rent out your home short-term (like Airbnb)? This keeps you covered.

Note: This isn’t the full menu—just the highlights! Every situation is unique, so be sure to connect with one of our Insurance Consultants to explore the options available for your policy.

Prefer to talk? We’ve got you covered.

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