Home insurance claims

This depends on the claim. Your Claims Adjuster can let you know once he or she has reviewed your claim.

You can send information directly to your Claims Adjuster.

Every situation is different. Your Service Specialist can answer this question if you are considering making a claim just call 1-833-223-8740. Our Service Specialists are available Monday to Friday 8:00am–6:00pm and Saturday 9:00am–5:00pm ET.

Personal liability insurance is usually the portion of your home insurance policy that protects you should you be found legally responsible for unintentionally causing injury to another person or loss or damage to their property - anywhere in the world.

A home insurance policy usually includes your property (building, outbuildings and contents) and liability covers for the insured, including:

• You and your spouse
• Any person under 21 in your care
• Your relatives and your spouse's relatives
• Dependents living away from home temporarily to attend school, college or university

Vacant dwellings face increased risk for loss or damage.

Vacancy means all occupants have moved out (and are not returning) or occupants have not yet moved in. A home could still have furnishings, and be considered vacant.

Most insurers will only insure a vacant property for a certain number days. The first 30 days of vacancy has limited coverage. In order to arrange coverage after 30 days, you must connect with us, otherwise, coverage may cease.

Unoccupied has a different meaning; your home is unoccupied with the intent to return, such as while you are on vacation.

Please connect with us to ensure that you have adequate coverage to protect you and your family.