Your home is probably the largest purchase you’ll make in your life, but you may sometimes feel like it gives you back much more than what you invested – it can provide the rhythm to your family’s heartbeat.
Your homeowners insurance shouldn’t only cover the bricks and mortar – it should protect all your home means to you and your family. And that’s what Milestone promises to do for you.
Our standard homeowners program features the industry leading Comprehensive Form policy which covers your entire home * – the dwelling, most attached and detached structures, as well as your personal belongings – and reimburses any losses based on your cost to replace your personal property.
And if you insure your dwelling to 100% of its current replacement cost, your insurer will guarantee to rebuild your home, regardless of what rebuilding will cost at the time of the loss.
We can also cover your secondary or seasonal residence or your rented dwelling under specifically-designed forms.
Policy Highlights
Standard Coverages - on all Homeowners Policies *
I. Property Coverages
A. Dwelling Building
B. Detached Private Structures
C. Personal Property
D. Additional Living Expenses
II. Liability Coverages
E. Legal Liability
F. Voluntary Medical Payments
G. Voluntary Payments for Damage to Property
Special Coverages - may be included *
- Safety Deposit Box
- Debris and Protective Removal
- Inflation Guard
- Outdoor Greenery
- Mortgage Rate Protector
- Mass Evacuation
- Fire Department Charges
- Lock Replacement
- Frozen Food Protection
- Credit Card, Automated Teller Card, Forgery and Counterfeit Money Coverage
- Reward Coverage
- Personal Records stored in a Personal Computer
Additional Coverages - available *
- Single Limit of Insurance – combines limits for above Property Coverages A,B,C, & D
- Sewer Back-up
- Scheduled Articles – for property valued in excess of standard policy sub-limits e.g. jewellery, fine art, coins, musical instruments, sports equipment etc.
- Earthquake Coverage
- Fair Rental Value – to increase standard amounts
- Glass Breakage – to reduce standard deductible
- Identity Theft Expense
- Home Business
* Certain conditions, exclusions and special limitations apply – always consult your policy wording