COMPREHENSIVE HOMEOWNERS POLICY

The policy consists of these wordings, the Certificate of Property Insurance which contains information that is unique to your insurance policy and other forms that may need
to be attached to complete your package coverage. Together, these represent the legal contract of indemnity that exists between you and us. This policy contains various
exclusions which eliminate or restrict coverage. Please read it carefully.

INSURING AGREEMENT

We provide the insurance described in this policy in return for payment of the Insurance cannot be a source of profit. It is only designed to indemnify you
premium and subject to the terms and conditions set out. against actual losses incurred by you or for which you are liable.
All amounts of insurance, premiums and other amounts as expressed in this If during the term of this policy we change the insurance of the kind provided by
policy are in Canadian currency. this policy to provide more coverage at no additional cost, you will automatically
benefit from that change at no increase in premium.
The Certificate of Property Insurance summarizes the Insurance coverage you
have selected and the premiums, limits, amounts and deductibles that apply to This form consists of three Sections:
them. Among other things, the Certificate of Property Insurance also identifies
SECTION I describes the insurance on your property. It also includes additional
the policyholder, the policy term and any Endorsements that apply to your
living expenses and/or fair rental value in certain circumstances.
Insurance Coverage.
SECTION II describes the insurance for your legal liability for bodily injury to
Only losses that occur within the policy term shown on the Certificate of
others or damage to property of others arising out of your premises or your
Property Insurance will be covered under this policy. There will be no coverage
personal actions. It also includes benefits following injury and damage to
for any loss that occurred or was in progress prior to the policy period inception
property of others in certain other circumstances.
date or after the policy period expiry date shown on the Certificate of Property
Insurance. SECTION III describes the OPTIONAL COVERAGES you have purchased for
an additional premium.

SECTION I - PROPERTY COVERAGES

DEFINITIONS "Data Recovery" means services performed by a professional for the process of
salvaging electronic data from damaged hard drive(s) installed in your personal
"Actual Cash Value" means various factors shall be considered in the
computer.
determination of actual cash value. Such factors shall include but are not limited to
replacement cost less any depreciation and market value. In determining "Data Recreation" means services performed by a professional to manually
depreciation consideration shall be given to the condition of the property recreate electronic data stored on damaged hard drive(s) installed in your
immediately before the loss or damage, the resale value, the normal life expectancy personal computer.
of the property and obsolescence.
"Domestic Water Container" means a device or apparatus for personal use on
"Business or Business Pursuit" means any continuous, regular or occasional the premises for containing, heating, chilling or dispensing water.
activity of any kind undertaken for financial gain, and includes a trade, profession
"Dwelling" means the Building described in the Certificate of Property Insurance,
or occupation. However, the following business uses by you are permitted without
wholly or partially occupied by you as a private residence.
being stated on the Certificate of Property Insurance:
"e-bike (electric bike)" means a power assisted bicycle that meets the federal and
1. school, if not more than three students are under instruction at any one
provincial definitions of a power assisted bicycle and is incapable of attaining
time;
speeds higher than 32 km/h on level ground.
2. babysitting or daycare, provided a license for such daycare or babysitting is
"Flood" means waves, tides, tidal waves, tsunamis, or the rising of, the breaking
not required by provincial by-law as per the province shown on the
out or the overflow of, any body of water, whether natural or man-made.
Certificate of Property Insurance;
"Fungi" includes, but is not limited to, any form or type of mould, yeast, mushroom
3. storage of merchandise, providing the total value of such merchandise
or mildew whether or not allergenic, pathogenic or toxigenic, and any substance,
does not exceed $2,500.
vapor or gas produced by, emitted from or arising out of any fungi or spore(s) or
"Business Property" means property of any description related to a business resultant mycotoxins, allergens, or pathogens.
pursuit conducted on the premises or elsewhere.
"Ground Water" means water in the soil beneath the surface of the ground,
"Cash Cards" means cards designed to store a cash value by electronic means for including but not limited to water in wells and in underground streams, and
use as a mode of payment, without a personal identification number and without percolating waters.
direct access to a bank or other account.
"Ice Damming" means the buildup of ice and water on the roof, or within the
"Civil Authority" means any person acting under the authority of the Governor eaves trough and downspout system, caused by repeated thawing and freezing
General in Council of Canada or the Lieutenant Governor in Council of a Province, of ice and snow within the eaves trough and downspout system.
and/or any person acting with authority under a Federal, Provincial or Territorial
legislation with respect to the protection of persons and property in the event of an "Insured" means the person(s) named as Insured on the Certificate of Property
emergency. Insurance and, while living in the same household:

"Data" means representations of information or concepts, in any form. 1. his or her spouse;

"Data Problem" means: 2. the relatives of either; and

1. erasure, destruction, corruption, misappropriation, misinterpretation of data; 3. any person under the age of 21 in their care.

2. error in creating, amending, deleting or using; or In addition, a student who is enrolled in and actually attends a school, college or
university and who is dependent on the Named Insured or his or her spouse for
3. inability to receive, transmit or use data. support and maintenance is also insured even if temporarily residing away from
the principal residence stated on the Certificate of Property Insurance.
Only the person(s) named on the Certificate of Property Insurance may take legal influencing any government and/or instilling fear in the public or a section of the
action against us. public.
"Premises" means the land contained within the lot lines on which the dwelling is "Under Construction" means
situated.
1. For construction of a new dwelling building or detached private structure:
"Replacement Cost" means the cost, on the date of the loss or damage, of the lower
The period of time commencing from the date site preparation is initiated
of:
and continuing through, excavation, laying of foundations and the
1. repairing the property with materials of similar kind and quality; or assembly of components, concluding when the dwelling
building/detached private structure is completed and ready for occupancy.
2. new articles of similar kind, quality and usefulness;
2. For alterations or repairs to existing dwelling buildings or detached private
without any deduction for depreciation.
structures:
"Residence Employee" means a person employed by you to perform duties in
The period of time during any alterations or repairs involving;
connection with the maintenance or use of the premises. This includes persons who
a) site preparation;
perform household or domestic services or duties of a similar nature for you. This
b) demolition;
does not include contractors or sub-contractors. It also does not cover persons while
c) laying of foundations;
performing duties in connection with your business.
d) removal or weakening of any structural support; or
"Renewable Energy Equipment" means solar panels and wind turbines and e) the opening of an exterior wall or roof component that extends beyond
their apparatus permanently installed on your premises used for the generation, 48 consecutive hours.
transmission or utilization of mechanical or electrical power.
The period of construction commences from the date the alterations or repairs
"Specified Perils" are initiated and continues until such time as all interior fixtures are installed
Subject to the exclusions and conditions in this policy, Specified Perils mean: with all exterior finishes and finished carpentry completed.

1. fire; If the premises is unoccupied during the period of construction, the dwelling
building or detached private structure is considered under construction until
2. lightning; the occupants have taken up residency even if the alterations or repairs have
3. explosion; been completed.

4. smoke due to a sudden, unusual and faulty operation of any heating or "Vacant" refers to the circumstance where, regardless of the presence of
cooking unit in or on the premises; furnishings:

5. a falling object which strikes the exterior of the building; 1. all occupants have moved out with no intention of returning and no new
occupant has taken up residence; or
6. impact by aircraft, watercraft, or land vehicle;
2. in the case of a newly constructed dwelling, no occupant has yet taken up
7. riot; residence.
8. vandalism or malicious acts, not including loss or damage caused by theft "Watermain" means a pipe forming part of a water distribution system which
or attempted theft; conveys consumable water but not wastewater.
9. water damage meaning damage caused by: "We", "us" or "our" means the company providing this insurance.
a. the sudden and accidental escape of water from a watermain; "You" or "your" refers to the insured.
b. the sudden and accidental escape of water or steam from within a
plumbing, heating, sprinkler, air conditioning system or domestic water COVERAGE
container, which is located inside your dwelling; The amounts of insurance are shown on the Certificate of Property Insurance.
c. the sudden and accidental escape of water from a domestic water
Coverage A - Dwelling Building
container located outside your dwelling. However, such damage is not
covered when the escape of water is caused by freezing; We insure:
d. water which enters your dwelling through an opening which has been 1. The principal dwelling and attached structures.
created suddenly and accidentally by a peril not otherwise excluded; 2. Permanently installed outdoor equipment on the premises.
e. the backing up or escape of water from an eaves trough or down spout, 3. Outdoor swimming pool and attached equipment on the premises.
or by ice damming, provided the water has not entered through a
basement or foundation wall; 4. Materials and supplies located on or adjacent to the premises intended for use
in construction, alteration or repair of your dwelling or detached private
10. windstorm or hail, including loss or damage caused by weight of ice, snow, structures on the premises. We insure against the peril of theft, only when
or sleet. This peril does not include loss or damage to your personal property
your dwelling is completed and ready to be occupied.
within a building, caused by windstorm, hail or coincidental rain damage
unless the storm first creates an opening in the building; Extensions of Coverage
11. transportation meaning loss or damage to your personal property, caused Tear Out
by collision, upset, overturn, derailment, stranding or sinking of any
motorized vehicle or attached trailer in which the insured property is being If any walls, ceilings or other parts of insured buildings or structures must be
carried. This would also apply to any conveyance of a common carrier, but torn apart before water damage coverage covered by this form can be repaired
does not include loss or damage to property in a vacation or home trailer we will pay the cost of such work and its restoration.
which you own. Watercraft, their furnishings, equipment or motors are The cost of tearing out and replacing property to repair damage to outdoor
also not covered. swimming pools, public watermains or sewers is not insured.
"Secured Storage Facility" means, a building designed specifically for storage that
is locked and has 24 hour security monitoring.
Building Fixtures and Fittings
You may apply up to 10% of the amount of insurance on your dwelling to insure
"Spore(s)" includes, but is not limited to, any reproductive particle or microscopic
building fixtures and fittings temporarily removed from the premises for repair
fragment produced by, emitted from or arising out of any fungi.
or seasonal storage.
"Spouse" means either of two persons who are married to each other or who have
together entered into a marriage that is voidable or void, or either of two persons Outdoor Trees, Plants, Shrubs and Lawns
who are living together in a conjugal relationship outside marriage and have so
lived together continuously for a period of 3 years or, if they are the natural or You may apply up to 5% in total of the amount of insurance on your dwelling to
adoptive parents of a child, for a period of 1 year. trees, plants, shrubs and lawns on your premises. We will not pay more than
$1,000 for any one tree, plant or shrub including debris removal expenses. We
"Surface Waters" means water on the surface of the ground where water does not will not pay more than $1,000 for grass including debris removal expenses.
usually accumulate in ordinary watercourses, lakes or ponds.
"Terrorism" means an ideologically motivated unlawful act or acts, including but
not limited to the use of violence or force or threat of violence or force, committed
by or on behalf of any group(s), organization(s) or government(s) for the purpose of
We insure these items against loss caused by fire, theft, lightning, explosion, 5. Watercraft, their trailers, furnishings, equipment, accessories and motors
impact by aircraft, watercraft, or land vehicle, riot, vandalism and malicious acts. up to $2,500 in total, but we do not insure personal watercraft powered by
We do not insure items or lawns grown for commercial purposes. a jet-pump propulsion system.
Coverage B - Detached Private Structures 6. Spare automobile parts up to $250 for any one item, $1,000 in total.
We insure structures or buildings on your premises separated from the dwelling 7. Animals, birds or fish up to $2,500 in total.
by a clear space but not insured under Coverage A. If they are connected to the 8. We insure your Personal Property while contained in a safety deposit box
dwelling by a fence, utility line or similar connection only, they are considered to in a Bank or Trust Company, up to $10,000 in total.
be private detached structures.
9. Golf carts up to $5,000 in total.
Coverage C - Personal Property
10. Renewable Energy Equipment for an amount not exceeding $5,000 in total.
1. We insure the contents of your dwelling and other personal property you
The following special limits of insurance do not apply to any claim caused by
own, wear or use while on your premises which is usual to the ownership
a Specified Peril:
or maintenance of a dwelling.
11. Jewellery, watches, gems, fur garments and garments trimmed with fur up
If you wish, we will include uninsured personal property of others while it
to $6,000 in total.
is on that portion of your premises which you occupy but we do not insure
property of roomers or boarders who are not related to you. 12. Numismatic property (such as coin collections) up to $500 in total.
We do not insure loss or damage to: 13. Manuscripts, stamps and philatelic property, (such as stamp collections) up
to $2,000 in total.
a. motorized vehicles or their equipment (except for lawn mowers, other
gardening equipment, snow blowers, wheelchairs, scooters having 14. Each bicycle, tricycle, unicycle or e-bike and its equipment and accessories
more than two wheels and specifically designed for the carriage of a up to $1,000 each.
person who has a physical disability, electric personal mobility assistive
15. Collectibles, such as sports cards, sports memorabilia and comic books up
devices, watercraft other than personal watercraft powered by a jet-
to $5,000 per loss.
pump propulsion system, e-bikes and golf carts);
16. Golfing equipment and accessories, except golf carts, up to $3,000 in total,
b. camper units, truck caps, trailers, or their equipment;
while the golfing equipment is away from your premises.
c. aircraft or their equipment.
17. Works of art, such as paintings, photographs, drawings etchings, prints and
Equipment includes audio, visual, recording, or transmitting equipment lithographs, including their frames, sculptures, statuary and antiques, and
powered by the electrical system of a motor vehicle or aircraft. Equipment hand-made rugs and tapestries up to $15,000 per item and up to a maximum
does not include spare automobile parts. of 15% of Coverage C as shown on the Certificate of Property Insurance for all
2. We insure your personal property while it is temporarily away from your items.
premises, anywhere in the world. However, personal property normally
18. We insure your wine or spirits on the premises, for replacement cost against
kept at any other location you own or rent is not insured.
all risk of direct physical loss or damage subject to the terms and conditions of
If you wish, we will include uninsured personal property belonging to this form, for an amount up to a maximum of 10% of Coverage C as shown
others while it is in your possession or belonging to a residence employee on the Certificate of Property Insurance. Such property is also covered while
travelling for or with you. away from the premises for an amount up to a maximum of 1% of Coverage
C as shown on the Certificate of Property Insurance, but this limit of
Personal property stored in a secured storage facility is insured for a period
insurance does not apply when the wine is stored in the cellars of a wine club
of 30 days only, from the date the property was first stored. We will
or similar location.
continue coverage beyond that period for the peril of theft only.
3. We insure the personal property of a student, who is insured by this policy Coverage D - Additional Living Expense
but is temporarily residing away from home for the purpose of attending a The amount of insurance for Coverage D is the total amount for any one or a
school, college or university, for an amount not exceeding $10,000. combination of the following coverages. The periods of time stated below are not
4. We insure the personal property of your spouse, your father or mother or limited by the expiration of the policy.
your spouse's father or mother who are living in a nursing home or a home 1. Additional Living Expense. If, as a result of damage by a peril not otherwise
for the aged, but who are in your legal custody, for an amount not excluded your dwelling is unfit for occupancy, or you have to move out while
exceeding $5,000. repairs are being made, we insure any necessary increase in living expenses,
5. We insure the personal property of physically or mentally challenged including moving expenses incurred by you, so that your household can
persons, who are legally in your custody, while residing in a facility designed maintain its normal standard of living. Payment shall be for the reasonable
for the care of such persons up to $5,000. time required to repair or rebuild your dwelling or, if you permanently
relocate, the reasonable time required for your household to settle elsewhere.
Extensions of Coverage
2. Fair Rental Value. If a peril not otherwise excluded makes that part of the
Change of Temperature dwelling or detached private structures rented to others or held for rental
We insure your personal property damaged by change of temperature resulting by you unfit for occupancy, we insure its Fair Rental Value. Payment shall
from physical damage to your dwelling or equipment by an Insured Peril. This be for the reasonable time required to repair or replace that part of the
only applies to personal property kept in the dwelling. dwelling or detached private structures rented or held for rental. Fair
Rental Value shall not include any expense that does not continue while
Moving to Another Home that part of the dwelling or detached private structures rented or held for
We insure your personal property while in transit to and at another location within rental is unfit for occupancy.
Canada which is to be occupied by you as your principle residence. Coverage 3. Prohibited Access. If a civil authority prohibits access to your dwelling:
applies for 30 consecutive days commencing on the date personal property is
removed from your principle residence, but not beyond the date the policy expires a. as a direct result of damage to neighbouring premises by a peril not
or is terminated. This coverage does not increase the amounts of insurance. otherwise excluded under this form, we insure any resulting Additional
Living Expense and Fair Rental Value loss for a period not exceeding 2
Special Limits of Insurance weeks; or
We insure: b. by order for mass evacuation as a direct result of a sudden and
accidental event within Canada or the United States of America, we
1. Books, tools and instruments pertaining to a business, profession or
insure any resulting necessary and reasonable increase in living
occupation but only while on your premises for an amount up to $2,500 in
expense to a maximum of $2,500 incurred by you for the period access
total. Other property used for business is not insured, including samples
is prohibited, not exceeding 30 days from the date of the order of
and goods held for sale.
evacuation.
2. Securities up to $5,000 in total.
You are not insured for any claim arising from evacuation resulting
3. Money including cash cards or bullion, up to $500 in total. from:
4. Garden type tractors and snow removal equipment including attachments i. flood;
and accessories up to $10,000 in total.
ii. earthquake;
 iii. war, invasion, act of a foreign enemy, hostilities, civil war, The deductible applies to this Coverage Feature.
rebellion, revolution, insurrection or military power;
Fire Department Charges
iv. Terrorism or any activity or decision of a government agency or
other entity to prevent, respond to or terminate Terrorism We will reimburse you for fire department charges incurred for attending your
regardless of any other cause or event that contributes premises to save or protect insured property from loss or damage or further loss
concurrently or in any sequence to such loss or damage; or damage, insured against by this form.

v. any nuclear incident as defined in the Nuclear Liability Act or any This Coverage Feature is not subject to a deductible.
other nuclear liability act, law or statute, or any law amendatory
thereof or nuclear explosion, except for ensuing loss or damage
Frozen Food Protection
which results directly from fire, lightning or explosion of natural, We will pay for loss or damage to food while contained in a freezer located on
coal or manufactured gas; your premises caused by the accidental interruption of electrical power on or off
vi. contamination by radioactive material. the premises or by mechanical breakdown of the freezer. This coverage includes
damage to the freezer when it is due to the insured food spoilage and also
This coverage does not increase the amounts of Insurance for Coverage D, reasonable expenses incurred by you to save and preserve the food from spoilage
Additional Living Expense. while your freezer is being repaired.
We do not insure the cancellation of a lease or agreement. We do not insure:

SPECIAL COVERAGE FEATURES 1. loss from spoilage caused by the operation of an electrical circuit breaker or
fuse or by accidental or intentional disconnection of the power supply in
In addition to the insurance provided by the Property Coverages, your policy the building containing the freezer;
provides these Special Coverage Features, subject to the terms and conditions set
out. 2. expenses incurred in the acquisition of frozen food.
This Coverage Feature is not subject to a deductible.
By-Laws Coverage
The Insurance provided by Coverages A and B under Section I of this policy is, Inflation Guard
without increasing the amount of insurance, extended for an amount not We will increase the limits of insurance stated on the Certificate of Property
exceeding the limit specified for the By-Laws Form as stated on the Certificate of Insurance for Coverages A, B C and D by amounts which are solely attributable
Property Insurance, to provide the following coverage at the location specified to the inflation increase since the inception date of this policy, the latest renewal
and only as a result of an insured peril: or anniversary date or from the date of the most recent change to the amounts of
1. loss occasioned by the demolition of any undamaged portion of the insurance shown on the Certificate of Property Insurance, whichever is the latest.
buildings or structures, or On renewal or anniversary date, we will automatically increase the amounts of
2. the cost of demolishing, and clearing the site of any undamaged portion of insurance shown on the Certificate of Property Insurance under Section I by
the buildings or structures, or amounts which are solely attributable to the inflation increase since the inception
date of this policy or the latest renewal or anniversary date.
3. any increase in the cost of repairing, replacing, constructing or
reconstructing the buildings or structures on the same site or on an Lock Replacement
adjacent site, of like height, floor area and style, and for like occupancy,
If your exterior door keys are lost or stolen, your policy provides up to $500 to
arising from the enforcement of the minimum requirements of any by-law, re-key your locks or to replace them if it is not possible to re-key them. You must
regulation, ordinance or law which: notify us within 72 hours of the discovery of the keys being lost or stolen.
1. regulates zoning or the demolition, repair or reconstruction of damaged This Coverage Feature is not subject to a deductible.
buildings or structures; and
Mortgage Rate Protector
2. is in force at the time of such loss or damage.
Should your dwelling be rendered a total loss by a peril not otherwise excluded
You are not insured against: your mortgagor may have the right to call in your mortgage loan, making it
(1) the enforcement of any by-law, regulation, ordinance or law which necessary for you to arrange a new loan. If your new mortgage loan bears a
prohibits the Insured from rebuilding or repairing on the same site or an higher rate of interest than the old one, we will pay:
adjacent site or prohibits continuance of like occupancy; 1. the extra cost of your loan repayments on the balance of your outstanding
(2) the enforcement of any by-law, regulation, ordinance or law which could mortgage, calculated as the difference between the old and the new
apply in absence of a loss. payment amounts, each month until the maturity date of the original
mortgage agreement; and
The deductible applies to this Coverage Feature.
2. legal fees you incurred to obtain the new mortgage, but we will not pay for
Credit Card, Automated Teller Card, Forgery and other costs such as judgments or service charges.
Counterfeit Money Coverage
The payments provided by this Feature:
We will pay for:
a. are in addition to the amount of insurance shown for Coverage A on the
1. Your legal obligation to pay because of the theft or unauthorized use of Certificate of Property Insurance.; and
credit cards issued to you or registered in your name provided you have
complied with all of the conditions under which the card was issued; b. will cease on the date you relinquish title to or your interest in your dwelling.

2. loss caused by the theft of your automated teller card provided you have Where found in this Feature, the words "total loss" mean that the total cost of
complied with all of the conditions under which the card was issued; insured loss or damage equals or exceeds the amount shown for Coverage A on
the Certificate of Property Insurance.
3. loss to you caused by forgery or alteration of cheques, drafts or other
negotiable instruments; This Coverage Feature is not subject to a deductible.

4. loss by your acceptance in good faith of counterfeit Canadian or United Personal Records Stored in a Personal Computer
States paper currency.
We will pay for data recovery of personal records lost because of a peril not
We do not cover loss caused by the use of your credit card or automated teller otherwise excluded. To the extent that data recovery of personal records is not
card by a resident of your household or by a person to whom the card has been possible, we will pay for data recreation.
entrusted. Coverage under this feature is limited to a maximum of $3,000.
The most we will pay under this coverage during the term of this policy is $5,000. The deductible applies to this Coverage Feature.
This Coverage Feature is not subject to a deductible.
Property Removed
Debris Removal If you must remove insured property from your premises to protect it from loss
We will pay the cost of removing from your premises the debris of property or damage that is covered by this policy, it is insured by this form for
insured which results from loss or damage insured by this form. 90 consecutive days or until your policy term ends - whichever occurs first. The
amount of insurance will be divided in the proportions that the value of the
If the amount payable for loss, including expense for debris removal, is greater property removed bears to the value of all insured property at the time of loss.
than the amount of insurance an additional 5% of that amount will be available
to cover debris removal expense. The deductible applies to this Coverage Feature.
Reward Coverage This exclusion applies whether or not there are one or more other causes or
events (whether covered or not) that contribute concurrently or in any
We will pay up to $1,000 to any individual or organization for information leading
sequence to the occasioning of the loss or damage.
to the arrest and conviction of any person(s) who robs from any person insured
under this policy or steals, vandalizes, burglarizes or commits arson to any insured 19. caused directly or indirectly by war, invasion, act of a foreign enemy,
property. Regardless of the number of persons providing information, payment hostilities, civil war, rebellion, revolution, insurrection or military power.
will not exceed $1,000 in total. This exclusion applies whether or not there are one or more other causes or
events (whether covered or not) that contribute concurrently or in any
This Coverage Feature is not subject to a deductible.
sequence to the occasioning of the loss or damage.
Notice to Authorities 20. caused directly or indirectly, in whole or in part, by "Terrorism" or by any
Where loss or damage is, or is suspected to be, due to malicious acts, burglary, activity or decision of a government agency or other entity to prevent,
robbery, theft or attempted theft, you must give immediate notice of such loss to respond to or terminate "Terrorism". This exclusion applies whether or not
the police or other law enforcement agency having jurisdiction. there are one or more other causes or events (whether covered or not) that
contribute concurrently or in any sequence to the occasioning of the loss or
Insured Perils damage. If any portion of this exclusion is found to be invalid, unenforceable
or contrary to statute, the remainder shall remain in full force and effect. This
You are insured against all risks of direct physical loss or damage subject to the
exclusion does not apply to ensuing loss or damage which directly results
exclusions and conditions in this form.
from fire or explosion of natural, coal or manufactured gas;
Exclusions – Section 1 21. resulting from an intentional or criminal act or failure to act by:
Property not insured: a. any person insured by this policy;
1. buildings or structures used in whole or in part for business or farming b. any other person at the direction of any person insured by this policy;
purposes; or
2. retaining walls, unless the damage is caused by fire, lightning, impact by c. any tenant, tenants' guests, boarder or employee, or any member of
watercraft, land vehicle or aircraft, vandalism and malicious acts; the tenants' household;
3. sporting equipment where the loss or damage is due to its use; (1) This exclusion applies only to the claim of a person:
4. animals, birds or fish unless the loss or damage is caused by a Specified (i) whose act or omission caused the loss or damage,
Peril, other than impact by aircraft, watercraft or land vehicle; (ii) who abetted or colluded in the act or omission,
(iii) who consented to the act or omission and knew or ought to
5. property at any fairground, exhibition or exposition for the purpose of have known that the act or omission would cause the loss or
exhibition or sale; damage
6. any property lawfully seized or confiscated unless such property is (2) A person to whom this exclusion does not apply
destroyed to prevent the spread of fire; (i) must co-operate with us in respect of the investigation of the
7. any property illegally acquired, used, kept, stored, imported or transported loss or damage, including, without limitation,
or any property subject to forfeiture;  by submitting to an examination under oath, if requested
by us
8. evidences of debt or title;  by producing for examination at a reasonable time and
9. loss or damage to wine or spirits caused by place designated by us, documents specified by us that
relate to the loss or damage and
a. breakage
 by permitting extracts and copies of such documents to be
b. spoilage
made, all at reasonable place and time designated by us.
Loss or damage not insured: (ii) cannot recover more than their proportionate interest in the lost
or damage property.
10. scratching, abrasion or chipping of any personal property or breakage of
any fragile or brittle articles unless caused by a Specified Peril, accident to a 22. from the part of the dwelling rented to others caused by theft or attempted
land vehicle, watercraft or aircraft, or theft or attempted theft; theft by any tenant, tenant's employee or member of the tenant's household;
11. wear and tear, deterioration, defect or mechanical breakdown; 23. arising directly or indirectly from the growing, manufacturing, processing,
storing, possession or distribution by anyone of any drug, narcotic or
12. inherent vice or latent defect;
illegal substances or items of any kind. This includes any alteration of the
13. the cost of making good: premises to facilitate such activity, whether or not you have any knowledge
a. faulty or improper material; of such activity. This exclusion applies whether or not there are one or
more other causes or events (whether covered or not) that contribute
b. faulty or improper workmanship; or concurrently or in any sequence to the occasioning of the loss or damage;
c. faulty or improper design. 24. to personal property undergoing any process involving the application of
This exclusion does not apply to loss or damage caused directly by a heat, or while being worked on, where the damage results from such process
resultant peril not otherwise excluded in this form. or work, but resulting damage to other property is insured;

14. a. data; or 25. caused by animals owned by you or in your care, custody or control;

b. loss or damage caused directly or indirectly by a data problem. This 26. caused by birds, vermin, skunks, rodents, (other than raccoons and squirrels),
exclusion applies whether or not there are one or more other causes or bats or insects, except loss or damage to building glass;
events (whether covered or not) that contribute concurrently or in any 27. caused by smoke from agricultural smudging or industrial operations;
sequence to the occasioning of the loss or damage except you are still
insured for ensuing loss or damage caused directly by fire, explosion, 28. caused directly or indirectly by snowslide, earthquake, landslide, mudflow
smoke or water damage, all as described Specified Perils. or any other earth movement. This exclusion applies whether or not there
are one or more other causes or events (whether covered or not) that
Nor do we insure loss or damage: contribute concurrently or in any sequence to the occasioning of the loss or
15. caused by rust or corrosion, wet or dry rot, or fungi or spores; damage except you are still insured for ensuing loss or damage which
directly results from fire or explosion;
16. resulting directly from settling, expansion, contraction, moving, bulging,
buckling or cracking except resulting damage to building glass; 29. caused by vandalism or malicious acts or glass breakage occurring while your
dwelling is under construction or vacant even if permission for construction
17. occurring after your dwelling has, to your knowledge, been vacant for or vacancy has been given by us;
more than 30 consecutive days;
30. resulting from a change in ownership of property that is agreed to even if
18. caused directly or indirectly by: that change was brought about by trickery or fraud;
a. any nuclear incident as defined in the Nuclear Liability Act or any 31. caused by or resulting from contamination or pollution, or the release,
other nuclear liability act, law or statute, or any law amendatory discharge or dispersal of contaminants or pollutants, unless the loss or
thereof or nuclear explosion, except for ensuing loss or damage damage resulted from the sudden and accidental bursting or overflowing of
which results directly from fire, lightning or explosion of coal, natural your domestic fixed fuel oil tank, apparatus or pipes;
or manufactured gas; or
b. contamination by radioactive material;
 We do not insure loss or damage: $25,000, and the applicable deductible amount on the Certificate of Property
Insurance is $1,000 or less, the deductible will not apply to your claim.
a. to sewers;
If your claim involves personal property on which the Special Limits of Insurance
b. caused by continuous or repeated leakage or seepage;
apply, the limitations apply to losses exceeding the deductible amount.
c. occurring while the dwelling is under construction or vacant, even if
we have given permission for construction or vacancy; Dwelling and Detached Private Structures
32. caused by theft or attempted theft of property in or from a dwelling under If you repair or replace the damaged or destroyed building on the same location
construction, or of materials and supplies for use in the construction, until with a building of the same occupancy constructed with materials of similar quality
the dwelling is completed and ready to be occupied; within a reasonable time after the damage we will pay the cost of repairs or
replacement (whichever is less) without deduction for depreciation.
33. to an outdoor swimming pool or equipment attached to a public watermain,
caused by water escape, rupture or freezing; If you do not repair or replace we will pay the actual cash value of the damage on
the date of occurrence.
34. caused directly or indirectly by continuous or repeated seepage or leakage
of water. This exclusion applies whether or not there are one or more other Guaranteed Replacement Cost on Dwelling Buildings
causes or events (whether covered or not) that contribute concurrently or in
If Guaranteed Replacement cost is indicated in the Certificate of Property
any sequence to the occasioning of the loss or damage;
Insurance, we will pay the cost of repairs or replacement even if it is more than
35. caused directly or indirectly by flood, surface water, spray, storm surge, ice or the amount of insurance for Coverage A, provided:
waterborne objects, all whether driven by wind or not. This exclusion applies
1. the amount of insurance for Coverage A shown on the Certificate of Property
whether or not there are one or more other causes or events (whether covered
Insurance:
or not) that contribute concurrently or in any sequence to the occasioning of
the loss or damage, unless the loss or damage resulted from the escape of a. on the inception date of the policy; or
water from a public watermain, swimming pool or equipment attached; b. the most recent renewal date; or
36. caused directly or indirectly by water except as defined in Specified Perils; c. the increased amount under the inflation protection coverage on the
but we do not insure loss or damage: date the increase took effect was not less than 100% of the cost to
replace the dwelling building, as determined by a valuation guide
a. caused by the backing up or escape of water from a sewer, sump or
acceptable to us;
septic tank, retention tank, French drain or water leader;
2. the amount of insurance applicable to Coverage A has not been reduced
b. caused by ground water or rising of the water table;
below the amount determined by the valuation guide; and
c. caused by surface waters;
3. you notified us within 30 days of the start of the work if any improvement,
d. to a watermain; extension or addition has been made to your dwelling where the value of
such improvement, extension or addition exceeds $10,000.
e. to a system or domestic water container from which the water escaped;
4. you repair or replace the damaged or destroyed building on the same
f. caused by shoreline ice build-up or by water-borne ice or other
location with a building of the same occupancy constructed with materials
objects, all whether driven by wind or not;
of similar quality within a reasonable time after the damage.
g. occurring while the building is under construction or vacant even if
In determining the cost of repairs or replacement we will not pay or include the
we have given permission for construction or vacancy;
increased costs of repair or replacement due to the operation of any law
h. caused by freezing during the usual heating season: regulating the zoning, demolition, repair or construction of buildings and their
i. within a heated portion of your dwelling, if you have been away related services.
from your premises more than 4 consecutive days; but you will Insurance Under More Than One Policy
still be insured if any of the following precautions have been
taken: If you have insurance on specifically described property, this policy will be
considered excess insurance and we will not pay any loss or claim until the
 arranged for a competent person to enter your dwelling amount of such other insurance is used up.
each day you were away, to ensure that heating was being
maintained; or In all other cases, we will pay our ratable proportion of the loss or claim under
this policy.
 shut off the water supply and had drained all the pipes and
domestic water containers; or Personal Property
 if your plumbing and heating system is connected to a 1. For electronic media we will pay the cost of reproduction from duplicates
monitored alarm station providing 24-hour service; or from originals of the previous generation of the media. We will not pay
ii. within an unheated portion of your dwelling. the cost of gathering or assembling information or data for reproduction.
2. For other records, including books of account, drawings or card index
This exclusion applies whether or not there are one or more other causes or systems, we will pay the cost of blank books, pages, cards or other
events (whether covered or not) that contribute concurrently or in any materials plus the cost of actually transcribing or copying the records.
sequence to the occasioning of the loss or damage.
3. We will pay on the basis of replacement cost for all other personal property
BASIS OF CLAIM PAYMENT except:

We will pay for insured loss of or damage to the dwelling and detached private a. articles that cannot be replaced with new articles because of their
structures and personal property as described below up to your financial interest inherent nature, including antiques, fine arts, paintings and statuary;
in the property, but not exceeding the applicable amount(s) of insurance for any b. articles for which their age or history substantially contributes to their
loss or damage arising out of any one occurrence. value, such as memorabilia, souvenirs, and collectors items;
Amounts Not Reduced c. property that has not been maintained in good or workable condition;
Any payments made for loss or damage will not reduce the amounts of insurance d. property that is no longer used for its original purpose;
provided by this policy. for which we will pay only on the basis of actual cash value.
Actual Cash Value Replacement cost means the cost, on the date of the loss or damage, of the lower of:
The Actual Cash Value will take into account such things as the cost of replacement 1. repairing the property with materials of similar kind and quality; or
less any depreciation, and in determining depreciation we will consider the
2. new articles of similar kind, quality and usefulness;
condition immediately before the damage, the resale value and the normal life
expectancy. without any deduction for depreciation.

Deductible We will pay on the basis of replacement cost only if the property lost or damaged
is repaired or replaced as soon as reasonably possible. Otherwise we will pay on
We are responsible only for the amount by which the loss or damage covered by the basis of actual cash value.
this policy of insurance exceeds the amount of the deductible shown on the
You may choose payment on the basis of actual cash value initially. If you later
Certificate of Property Insurance in any one occurrence. If your claim exceeds
decide to replace any destroyed or stolen property you may make an additional
claim for the difference between the actual cash value and replacement cost basis Parts
within 180 days after the date of loss.
In the case of loss or damage to any part of the insured property consisting, when
For personal property described under "special limits of insurance" we will not complete for use, of several parts, we will not pay for more than the insured value
pay more than the applicable limit under either the replacement cost or actual of the part lost or damaged, including the cost of installation.
cash value basis.
Permissions Granted
Single Limit of Insurance
You have our permission under the terms and conditions of this policy to:
If:
1. make alterations, additions and repairs to the dwelling building that you
1. a single event or occurrence results in loss or damage which is insured under occupy. (You may, however, need to request an increase in your Limits of
more than one of Coverages A, B, C and D, and Insurance.) We must be notified within 30 days of the commencement of any
2. Single Amount of Insurance appears on the Certificate of Property Insurance, addition, extension or improvement that may increase the full Replacement
and cost of the Dwelling Building by $10,000 or more.

3. the Guaranteed Replacement Cost on Dwelling Buildings provision does not 2. store and use reasonable and normal quantities of fuel oil, gasoline, benzene,
apply, naphtha or other similar materials.

the amount of insurance available to cover such insured loss or damage will be Statutory Conditions
the total of the individual amounts for Coverages A, B, C and D.
All of the conditions set out under the title Statutory Conditions apply with respect
If the Guaranteed Replacement Cost on Dwelling Buildings provision applies to to all of the perils insured under Section I except that these conditions may be
your claim under Coverage A, the maximum amount of insurance available for modified or supplemented by the provisions of the said Section I or by forms or
insured loss or damage under Coverages B, C and D will be the total of the endorsements which modify Section 1.
individual amounts for those Coverages.
Subrogation
CONDITIONS We will be entitled to assume all your rights of recovery against others and bring
The following conditions apply to the coverage provided by Section I of this action in your name to enforce these rights when we make payment or assume
policy. liability under this policy. Your right to recover from us is not affected by any
release from liability entered into by you prior to loss.
Pair and Set If such action on our part does not fully indemnify both you and us, the amount
In the case of loss or damage to any article(s) which is (are) part of a set the measure that we recover will be divided between you and us in the proportions in which
of loss of or damage to such article(s) will be a reasonable and fair proportion of the the loss or damage has been borne by each of us respectively. The amounts so
total value of the set, but in no event will such loss or damage be construed to mean available for distribution shall be net of the costs of effecting the recovery.
total loss of the set.

SECTION II
INSURANCE OF YOUR LIABILITY TO OTHERS

Definitions 1. premises where you are residing temporarily or which you are using
temporarily, as long as you are not:
"Bodily Injury" means bodily injury, sickness, disease or resulting death.
a. the owner of the premises;
"Business or Business Pursuit" means any continuous, regular or occasional
activity of any kind undertaken for financial gain, and includes a trade, profession b. the lessee or tenant of the premises under any agreement which is
or occupation. However, the following business uses by you are permitted without longer than 90 consecutive days except for students premises
being stated on the Certificate of Property Insurance: described in item 6 below;
1. school, if not more than three students are under instruction at any one c. the lessee or renter of a hall or similar entertainment venue used for
time; social events, such as weddings, parties, etc.
2. babysitting or daycare, provided a license for such daycare or babysitting is 2. premises in Canada to be occupied by you as your principal residence from
not required by provincial by-law as per the province shown on the the date you acquire ownership or take possession but not beyond the
Certificate of Property Insurance. earliest of:
"Business Property" means property on which a business is conducted, property a. 30 consecutive days;
rented in whole or in part to others, or held for rental. b. the date the policy expires or is terminated;
"Dwelling" in this Section has the same meaning as in Section I. c. the date upon which specific liability insurance is arranged for such
"Insured" in this Section has the same meanings as in Section I. In addition, we will premises;
insure: 3. individual or family cemetery plots or burial vaults;
1. any person or organization legally liable for damages caused by a 4. vacant land in Canada you own or rent, other than farm land;
watercraft or animal owned by you, and to which this insurance applies.
This does not include anyone using or having custody of the watercraft or 5. land in Canada where an independent contractor is building a one, two or
animal in the course of any business or without the owner's permission; three-family residence to be occupied by you.

2. a residence employee while performing duties in connection with the 6. premises in Canada where a student insured by this policy temporarily
ownership, use or operation of motorized vehicles and trailers for which resides while attending school.
coverage is provided in this form; "Property Damage" means:
3. your legal representative having temporary custody of the insured premises, 1. physical damage to, or destruction of, tangible property;
if you die while insured by this form, for legal liability arising out of the
premises; 2. loss of use of tangible property.

4. any person who is insured by this form at the time of your death and who "Residence Employee" in this Section has the same meaning as "Residence
continues residing on the premises. Employee" in Section I.

"Legal Liability" means responsibility which courts recognize and enforce between "You" or "your" in this Section refer to the Insured.
persons who sue one another. "We" or "us" in this Section have the same meanings as in Section I.
"Premises" means all premises where the person(s) named as Insured on the "Weekly Indemnity" means two-thirds of your employee's weekly wage at the
Certificate of Property Insurance or his or her spouse, maintains a residence, date of the accident, but we will not pay more than $100 per week.
including seasonal and other residences, provided such premises are specifically
described on the Certificate of Property Insurance. It also includes: Coverages
This insurance applies to accidents or occurrences which take place during the
period this policy is in force;
Coverage E - Your Personal Liability Protection Coverage F - Voluntary Medical Payments
This is the part of the policy you look to for protection if you are sued. We will pay reasonable medical expenses incurred within one year of the date of
the accident, if you unintentionally injure another person or if they are
We will pay all sums which you become legally liable to pay as compensatory
accidentally injured on your premises. This coverage is available even though
damages because of unintentional bodily injury or property damage arising out of:
you are not legally liable. Medical expenses include surgical, dental, hospital,
1. your personal actions anywhere in the world; nursing, ambulance service and funeral expenses.
2. your ownership, use or occupancy of the premises defined in Section II. The amount of insurance shown on the Certificate of Property Insurance is the
The amount of insurance shown on the Certificate of Property Insurance is the maximum amount we will pay for each person in respect of one accident or
maximum amount we will pay for all compensatory damages in respect of one occurrence.
accident or occurrence regardless of the number of insureds against whom claims We will not pay:
are made or actions are brought.
1. expenses covered by any medical, dental, surgical or hospitalization plan or
Defense, costs and supplementary expense payments as described under "defense, law, or under any other insurance contract;
settlement, supplementary payments" are in addition to the amount of insurance.
2. your medical expenses or those of persons residing with you, other than
We do not insure claims made against you arising from: residence employees;
1. liability you have assumed by contract unless your legal liability would have 3. medical expenses of any person covered by any Workers' Compensation
applied even if no contract had been in force, but we do insure claims made Statute.
against you for the legal liability of other persons in relation to your premises
There are other exclusions that apply to all Coverages under Section II. Please refer
that you have assumed under a written contract;
to "Exclusions - Section II".
2. damage to property owned by an insured;
Notice of Accident or Occurrence
3. damage to property used, occupied, leased or rented by or in the care,
custody or control of an Insured, except for unintentional property damage to 1. When an accident or occurrence takes place, you must promptly give us
premises owned by others, or their contents, which you are using, renting or notice (in writing if required). The notice must include:
have in your custody or control caused by fire, explosion, water damage or a. your name and policy number;
smoke. This means smoke due to a sudden, unusual and faulty operation of
any heating or cooking unit in or on the premises, but not smoke from b. the time, place and circumstances of the accident;
fireplaces. Water Damage has the same meaning as in Section I; c. the names and addresses of witnesses and potential claimants.
4. damage to personal property or fixtures as a result of work done on them by 2. If requested by us, you must arrange for the injured person(s) to:
you or anyone on your behalf;
a. give us written proof of claim as soon as possible, under oath if
5. bodily injury to you or to any person residing in your household other than a required;
residence employee;
b. submit to physical examination at our expense by doctors we select
6. the personal actions of a named insured who does not reside on the premises as often as we may reasonably require;
described on the Certificate of Property Insurance;
c. authorize us to obtain medical and other records.
7. liability arising out of premises, other than as herein before defined.
Proofs and authorization may be given by someone acting on behalf of the
There are other exclusions that apply to all Coverages under Section II. Please refer injured.
to "Exclusions - Section II".
No suit may be brought against us until you have fully complied with all the
Defence, Settlement Supplementary Payments terms of this Coverage.
If a claim is made against you for which you are insured under Coverage E we will Coverage G - Voluntary Payment for Damage to Property
defend you, even if the claim is groundless, false, or fraudulent. We reserve the
right to select legal counsel, investigate, negotiate and settle any claim if we decide We will pay for unintentional direct damage you cause to property even though
this is appropriate. We will pay only for the legal counsel we select. you are not legally liable. You may also use this coverage to reimburse others for
direct property damage caused intentionally by an Insured, 12 years of age or
We will also pay: under.
1. all expenses which we incur; We do not insure:
2. all costs charged against you in any suit insured under Coverage E; 1. damage to property owned or rented by an insured or an insured's tenant;
3. any interest accruing after judgment on that part of the judgment which is 2. damage to property which is insured under Section I;
within the limit of insurance of Coverage E;
3. claims resulting from the loss of use, disappearance or theft of property.
4. premiums for appeal bonds required in any insured lawsuit involving you
and bonds to release any property that is being held as security, up to the There are other exclusions that apply to all Coverages under Section II. Please
limit of insurance, but we are not obligated to apply for or provide these refer to "Exclusions - Section II".
bonds;
Basis of Payment
5. expenses which you have incurred for emergency medical or surgical
We will pay whichever is the lower amount of:
treatment to others following an accident or occurrence insured by this
form; 1. what it would cost to repair or replace the property with materials of similar
quality at the time of loss;
6. reasonable expenses, including actual loss of income up to $100 per day,
which you incur at our request. 2. the amount of insurance shown on the Certificate of Property Insurance.

Action Against Us We may pay for the loss in money or may repair or replace the property, and
may settle any claim for loss of property either with you or the owner of the
No suit may be brought against us: property. We may take over any salvage if we wish.
1. until you have fully complied with all the terms of this Coverage, nor until 1. You must give us a written proof of claim as soon as possible, under oath if
the amount of your obligation to pay has been finally determined, either by a required, containing the following information:
judgment against you or by an agreement which has our consent;
a. the date, time, place and circumstances of the accident or occurrence;
2. more than one year (two years in the Yukon Territories and the Provinces of
Ontario and Manitoba) after either the date of an agreement which has our b. the interest of all persons in the property affected.
consent or of the final determination of the action against you, including 2. If requested by us you must help us to verify the damage.
appeals, if any.
No suit may be brought against us until:
Unauthorized Settlements 1. you have fully complied with all the terms of this Coverage;
You shall not, except at your cost, voluntarily make any payment, assume any 2. 60 days after the written proof of claim has been filed with us.
obligations or incur expenses, other than first aid expenses necessary at the time of
accident.
Coverage H - Voluntary Compensation for Residence Employees D. Hearing of one ear ..
25
This coverage is automatically provided for all your occasional residence
employees. It will be extended to your permanent residence employees if so stated OR
on the Certificate of Property Insurance. Hearing of both ears .................................................................. 100
We offer to pay the benefits described below if your residence employee is injured
5. Medical Expenses
or dies accidentally while working for you, even though you are not legally liable.
If as a result of the accident your residence employee incurs medical expenses
If your residence employee or any person acting on his or her behalf does not
including surgical, dental, hospital, nursing and ambulance expenses within
accept these benefits or sues you, we may withdraw our offer, but this will not
the following 26 weeks, we will pay up to a maximum of $1,000 in addition to
affect your liability insurance.
all other benefits.
A residence employee or anyone acting on his or her behalf who accepts these
We will pay for the cost of supplying or renewing artificial limbs or braces,
benefits must sign a release giving up any right to sue you. We have the right to
made necessary by the accident, for up to 52 weeks after the accident,
recover from anyone, other than you, who is responsible for the residence
subject to a maximum of $5,000.
employee's injury or death.
We do not insure you for costs recoverable from other insurance plans.
1. When an accident occurs you must promptly give us notice (in writing if
requested by us). The notice must include: Loss Assessment Coverage (Condominium Unit Owner)
a. the identity of the residence employee and the date, time, place and We will pay for your share of special assessments if:
circumstances of the accident;
a. the assessment(s) are valid under the Condominium Corporation's
b. names and addresses of witnesses. governing rules; and
2. If requested by us, you must arrange for the injured residence employee to: b. the assessment(s) are made necessary by occurrence(s) to which this Section
a. submit to physical examination at our expense by doctors we select of the policy applies.
as often as we may reasonably require; We will not pay more than $25,000 for that part of an assessment made necessary
by a deductible in the insurance policy of the Condominium Corporation.
b. authorize us to obtain medical and other records.
We will not pay benefits: Special Limitations
1. unless your employee was actually performing duties for you when the Watercraft and Motorized Vehicles
accident happened; You are insured against claims arising out of your ownership, use or operation
2. for any hernia injury. of:
1. watercraft, including their attachments, equipped with an outboard motor
Schedule of Benefits
or motors of not more than 19 kW (25 H.P.) in total when used with or on a
1. Loss of Life single watercraft;
If your residence employee dies from injuries received in the accident 2. watercraft, including their attachments, equipped with any other type of
within the following 26 weeks, we will pay a total of 100 times the weekly motor of not more than 38 kW (50 H.P.), other than personal watercraft
indemnity to those wholly dependent upon him or her. If there is more powered by a jet-pump propulsion system;
than one dependent the amount will be divided equally among them. This
Any other watercraft is insured only if liability coverage for it is shown on
payment is in addition to any benefit for Temporary Total Disability paid
the Certificate of Property Insurance. If the watercraft or motor with which
up to the date of death.
it is equipped is acquired after the effective date of this policy, you will be
2. Temporary Total Disability insured automatically for a period of 30 days only from the date of
acquisition, or until expiry of the policy, whichever comes first;
If your residence employee temporarily becomes totally disabled from
injuries received in the accident within the following 14 days and cannot 3. non-motorized watercraft, including their attachments, not more than 8
work at any job, we will pay weekly indemnity up to 26 weeks while such metres (26 feet) in length;
disability continues. We will not pay for the first 7 days unless the
4. self-propelled lawn mowers, snow blowers, garden-type tractors of not
disability lasts for 6 weeks or more.
more than 19 kW (25 H.P.);
3. Permanent Total Disability
5. motorized golf carts while in use on a golf course;
If your residence employee becomes permanently and totally disabled
6. motorized wheelchairs, including motorized scooters having more than
from injuries received in the accident within the following 26 weeks and
two wheels and specifically designed for the carriage of a person who has a
cannot work at any job, we will pay weekly indemnity for 100 weeks in
physical disability;
addition to benefits provided under Temporary Total Disability.
7. e-bikes.
4. Injury Benefits
Watercraft and Motorized Vehicles You Do Not Own
If, as a result of the accident, your residence employee suffers the loss of, or
permanent loss of use of any of the following within 26 weeks of the You are also insured against claims arising out of your use or operation of:
accident, we will pay weekly indemnity for the number of weeks shown. 1. watercraft, of any type, you do not own;
These benefits will be paid in addition to Temporary Total Disability 2. any self-propelled land vehicle, amphibious vehicle or air cushion vehicle,
Benefits but no others. provided that the vehicle is not subject to vehicle registration and is
We will not pay more than 100 weeks in total even if the accident results in designed primarily for recreational use off public roads;
loss from more than one item. provided that the motorized vehicle or watercraft is not owned by any person
FOR LOSS OF: Number of Weeks insured by this policy.

A. One or more of the following: We do not insure the use or operation of any watercraft or motorized vehicle,
whether owned by you or not, while it is:
Hand ............................................................................................. 100
1. used for carrying passengers for compensation;
Arm ............................................................................................... 100
2. used for business purposes;
Foot................................................................................................ 100
3. used in any race or speed test;
Leg. ................................................................................................ 100
4. rented to others;
B. One finger or toe ..
25 5. being used or operated without the owner's consent if you are not the
owner.
OR
More than one finger or toe ........................................................ 50 Trailers

C. One eye .. We insure you against claims arising out of your ownership, use or operation of
50 any trailer or its equipment, provided such trailer is not attached to, carried on or
being towed by a motorized vehicle subject to motor vehicle registration.
OR
Both eyes ...................................................................................... 100
Business and Business Property 7. the ownership, use or operation of:
We insure you against claims arising out of: a. any aircraft;
1. your personal actions during the course of your trade, profession or b. premises used as an airport or landing facility; and all activities related
occupation which are not related directly to your trade, profession or to either;
occupation; 8. the ownership, use or operation of any watercraft, motorized vehicle or
2. the temporary or part-time business pursuits of an insured person under trailer except as provided under "watercraft and motorized vehicles" and
the age of 21 years; "trailers" in Section II;
3. the rental of your residence to others for no more than 30 days during a 9. the transmission of communicable disease by any person insured by this
single policy term; policy;
4. rental to others of a one or two-family dwelling usually occupied in part by 10. a. sexual, physical, psychological or emotional abuse, molestation or
you as a residence, provided no family unit includes more than 2 roomers harassment, including corporal punishment by, at the direction of, or
or boarders; with the knowledge of any person insured by this policy; or
5. the rental to others, or holding for rent, of not more than 3 car spaces or stalls b. failure of any person insured by this policy to take steps to prevent
in garages or stables; sexual, physical, psychological or emotional abuse, molestation or
harassment or corporal punishment;
6. the rental of space in your residence to others for incidental office, school
or studio occupancy. 11. the distribution or display of data via a Website, the internet, intranet or
similar device or system designed or intended for electronic communication
Claims arising from any other business pursuit or operation are insured only if
of data;
liability coverage for it is shown on the Certificate of Property Insurance.
12. liability imposed upon or assumed by you under any workers' compensation
Exclusions - Section II statute;
We do not insure claims arising from: 13. punitive or exemplary damages, meaning that part of any award by a court
1. war, invasion, act of a foreign enemy, hostilities, civil war, rebellion, which is in excess of compensatory damages and is stated or intended to be
revolution, insurrection or military power; a punishment to you;

2. caused directly or indirectly, in whole or in part, by Terrorism or by any 14. property damage or bodily injury caused by rust or corrosion, wet or dry
activity or decision of a government agency or other entity to prevent, rot, or fungi or spores.
respond to or terminate Terrorism except for ensuing loss or damage which
CONDITIONS
results directly from fire or explosion, as described in Specified Perils. Such
loss or damage is excluded regardless of any other cause or event that 1. If any other insurance applies to a loss, or would have applied if this policy
contributes concurrently or in any sequence to the loss or damage; did not exist, this policy will be considered excess insurance and we will
not pay any loss until the amount of such other insurance is used up.
3. bodily injury or property damage which is required to be insured under a
nuclear energy liability policy issued by the Nuclear Insurance Association 2. Statutory Conditions 1, 3, 4, 5 and 15 incorporated in this policy apply as
of Canada, or any other group or pool of insurers; conditions to all Coverages under Section II.
4. business pursuits or any business use of the premises except as provided 3. Only losses that occur within the policy term shown on the Certificate of
under "business and business property" in Section II or specified on the Property Insurance will be covered under this policy. There will be no
Certificate of Property Insurance; coverage for any loss that occurred or was in progress prior to the policy
period inception date or after the policy period expiry date shown on the
5. the rendering or failure to render any professional service;
Certificate of Property Insurance.
6. bodily injury or property damage caused by any intentional or criminal act
or failure to act by:
a. any person insured by this policy; or
b. any other person at the direction of any person insured by this policy;

GENERAL POLICY CONDITIONS

The following conditions apply to all sections of this policy including any endorsements.

Notice of Accident or Occurrence Waiver

When an accident or occurrence takes place, you must promptly give us notice We shall not be deemed to have waived any term or condition of this policy in
(in writing if required). The notice must include: whole or in part, unless our waiver is clearly stated and in writing, and is signed
1. your name and policy number; by a person authorized to do so. In addition, neither we nor you may be lawfully
considered to have waived any term or condition of this policy by any act
2. the time, place and circumstances of the accident; relating to the appraisal of the amount of a claim, the delivery or completion of
3. the names and addresses of witnesses and potential claimants. proof, or the investigation of or adjustment of any claim under the policy.

Co-operation Cancellation Provision following a Declaration of Emergency

You are required to: The effective date of the termination of this policy by the Insurer, or the normal
1. help us obtain witnesses, information and evidence about the accident and expiration of the term of this policy, is extended as follows when an "emergency"
co-operate with us in any legal actions if we ask you; is declared by a Canadian public authority designated by statute for the purpose
of issuing such an order. In no event shall the total term of this extension exceed
2. immediately send us everything received in writing concerning the claim
90 days. The "emergency" must have a direct effect or impact on an Insured or
including legal documents.
insured property located in the declared emergency area.
Examination 1. Any time limitation described in the Termination condition of this policy,
After submission of the Proof of Loss in respect of a loss which may be insured with respect to termination of this policy by the Insurer, will not commence
under Section I each of you may be required separately to: or continue to run until the "emergency" is terminated plus the lesser of:
a. 30 days; or
1. submit to examination under oath,
b. the number of days equal to the total time the "emergency" order was
2. produce for examination all documents in your possession or control that in effect.
relate to the application for insurance and Proof of Loss, and
2. If this policy is due to expire during an "emergency", it will continue in
3. permit extracts and copies of such documents to be made, all at a force until the "emergency" is terminated plus the lesser of:
reasonable place and time designated by us.
a. 30 days; or
 b. the number of days equal to the total time the "emergency" order was a) a situation or an impending situation that constitutes a danger of major
in effect. proportions that could result in serious harm to persons or substantial
damage to property and that is caused by the forces of nature, a disease or
The insured agrees to pay the pro rata premium calculated for the additional
other health risk, an accident or an act whether intentional or otherwise; or
time the Insurer remains on risk as a result of the above.
b) as provided for by the relevant governing legislation if different from a).
"Emergency" means:

STATUTORY CONDITIONS

The conditions set forth in this section shall be deemed to be part of every contract in force and shall be printed in English or French in every policy with the heading
"Statutory Conditions" or "Conditions légales", as may be appropriate, and no variation or omission of or addition to any statutory condition is binding on the Insured.

Statutory Conditions 1, 3, 4, 5 and 15 incorporated in this policy apply as conditions to all Coverages under Section II. Otherwise, all of the conditions set out under the title
Statutory Conditions apply with respect to all of the perils insured under this policy except as these Conditions may be modified or supplemented by the provisions of the
said policy or by forms or endorsements which may be attached.

Misrepresentation Requirements After Loss

1. If a person applying for insurance falsely describes the property to the 6. (1) Upon the occurrence of any loss of or damage to the insured
prejudice of the Insurer, or misrepresents or fraudulently omits to property, the Insured shall, if the loss or damage is covered by the
communicate any circumstance that is material to be made known to the contract, in addition to observing the requirements of conditions 9, 10
insurer in order to enable it to judge of the risk to be undertaken, the contract and 11:
is void as to any property in relation to which the misrepresentation or
(a) forthwith give notice thereof in writing to the Insurer;
omission is material.
(b) deliver as soon as practicable to the Insurer a proof of loss
Property of Others verified by a statutory declaration:
2. Unless otherwise specifically stated in the contract, the Insurer is not liable (i) giving a complete inventory of the destroyed and damaged
for loss or damage to property owned by any person other than the property and showing in detail quantities, cost, actual cash
Insured, unless the interest of the Insured therein is stated in the contract. value and particulars of amount of loss claimed,

Change of Interest (ii) stating when the loss occurred, and if caused by fire or
explosion due to ignition, how the fire or explosion
3. The Insurer is liable for loss or damage occurring after an authorized originated, so far as the Insured knows or believes,
assignment under the Bankruptcy Act (Canada) or change of title by
succession, by operation of law, or by death. (iii) stating that the loss did not occur through any wilful act
or neglect or the procurement, means or connivance of
Material Change the Insured,
4. Any change material to the risk and within the control and knowledge of (iv) showing the amount of other insurances and the names of
the Insured avoids the contract as to the part affected thereby, unless the other insurers,
change is promptly notified in writing to the Insurer or its local agent, and
(v) showing the interest of the Insured and of all others in the
the Insurer when so notified may return the unearned portion, if any, of the
property with particulars of all liens, encumbrances and
premium paid and cancel the contract, or may notify the Insured in writing
other charges upon the property,
that, if the Insured desires the contract to continue in force, the Insured
must, within fifteen days of the receipt of the notice, pay to the Insurer an (vi) showing any changes in title, use, occupation, location,
additional premium, and in default of such a payment the contract is no possession or exposures of the property since the issue of
longer in force and the Insurer shall return the unearned portion, if any, of the contract,
the premium paid. (vii) showing the place where the property insured was at the
time of loss,
Termination
(c) if required, give a complete inventory of undamaged property
5. (1) This contract may be terminated:
and showing in detail quantities, cost, actual cash value;
(a) by the Insurer giving to the Insured fifteen days' notice of
(d) if required and if practicable, produce books of account,
termination by registered mail or five days' written notice of
warehouse receipts and stock lists, and furnish invoices and
termination personally delivered;
other vouchers verified by statutory declaration, and furnish a
(b) by the Insured at any time on request. copy of the written portion of any other contract;
(2) Where this contract is terminated by the Insurer: (2) The evidence furnished under clauses 1(c) and (d) of this condition
(a) the Insurer shall refund the excess of premium actually paid by shall not be considered proofs of loss within the meaning of
the insured over the proportionate premium for the expired conditions 12 and 13;
time, but in no event, shall the proportionate premium for the Fraud
expired time be deemed to be less than any minimum retained
premium specified; and 7. Any fraud or wilfully false statement in a statutory declaration in relation
to any of the above particulars vitiates the claim of the person making the
(b) the refund shall accompany the notice unless the premium is declaration.
subject to adjustment or determination as to amount, in which
case the refund shall be made as soon as practicable. Who May Give Notice and Proof
(3) Where this contract is terminated by the Insured, the Insurer shall 8. Notice of loss may be given and proof of loss may be made by the agent of
refund as soon as practicable the excess of the premium actually paid the Insured named in the contract in case of absence or inability of the
by the Insured over the short rate premium for the expired time, but Insured to give the notice or make the proof, and absence or inability being
in no event shall the short rate premium for the expired time be satisfactorily accounted for, or in the like case, or if the Insured refuses to
deemed to be less than any minimum retained premium specified. do so, by a person to whom any part of the insurance money is payable.
(4) The refund may be made by money, postal or express company Salvage
money order or cheque payable at par.
9. (1) The Insured, in the event of any loss or damage to any property insured
(5) The fifteen days mentioned in clause (1)(a) of this condition under the contract, shall take all reasonable steps to prevent further
commences to run on the day following the receipt of the registered damage to such property so damaged and to prevent damage to other
letter at the post office to which it is addressed. property insured hereunder including, if necessary, its removal to
prevent damage or further damage thereto.
 (2) The Insurer shall contribute pro rata towards any reasonable and Replacement
proper expenses in connection with steps taken by the Insured and
13. (1) The Insurer, instead of making payment, may repair, rebuild, or
required under sub-condition (1) of this condition according to the
replace the property damaged or lost, giving written notice of its
respective interests of the parties.
intention so to do within thirty days after receipt of the proofs of loss.
Entry, Control, Abandonment (2) In that event the Insurer shall commence to so repair, rebuild, or
10. After loss or damage to insured property, the Insurer has an immediate replace the property within forty-five days after receipt of the proofs
right of access and entry by accredited agents sufficient to enable them to of loss, and shall thereafter proceed with all due diligence to the
survey and examine the property, and to make an estimate of the loss or completion thereof.
damage, and, after the Insured has secured the property, a further right of
access and entry sufficient to enable them to make appraisement or
Action
particular estimate of the loss or damage, but the Insurer is not entitled to 14. Where permitted by law, every action or proceeding against the Insurer for
the control or possession of the insured property, and without the consent the recovery of a claim, under or by virtue of this contract, shall be
of the Insurer there can be no abandonment to it of insured property. absolutely barred unless commenced within one year * next after the loss
or damage occurs.
Appraisal
• *Two years in the Yukon Territory and in the Provinces of Ontario
11. In the event of disagreement as to the value of the property insured, the and Manitoba.
property saved or the amount of the loss, those questions shall be
determined by appraisal as provided under The Insurance Act before there Notice
can be any recovery under this contract whether the right to recover on the
15. Any written notice to the Insurer may be delivered at, or sent by registered
contract is disputed or not, and independently of all other questions. There
mail to, the chief agency or head office of the Insurer in the Province. Written
shall be no right to an appraisal until a specific demand therefore is made
notice may be given to the Insured named in the contract by letter personally
in writing and until after proof of loss has been delivered.
delivered to him or by registered mail addressed to him at his latest post
When Loss Payable office address as notified to the Insurer. In this condition, the expression
"registered" means registered in or outside Canada.
12. The loss is payable within sixty days after completion of the proof of loss,
unless the contract provides for a shorter period.