HOME INSURANCE

Buying a home will likely be one of the biggest investments that you will ever make, so you want to ensure that you are protected by the best means possible.
While home insurance coverage can vary from company to company, most home insurance policies can be broken down into two categories; property and liability. Property insurance helps cover damages to your physical property. Liability is intended to cover your actions, or actions that occur in your home and help protect you in the event of a lawsuit or claim.
Home insurance coverages or perils, can range from very basic to comprehensive. Depending on the policy that you purchase, could mean the difference between being covered in the event of a claim or facing the possibility of a significant personal financial loss. When you speak to an agent at CDM Insurance, we will help educate you on the coverages available and make recommendations on the coverages you should consider.

The list below is an example of what your new home insurance policy may cover, while some of these coverages are automatically included, others are optional and can be added on for an additional premium. While this is not a complete list of coverages, it is intended to give you an idea of the possibilities available. It is best to speak with an agent to confirm available coverages.

· Fire or Lightning
· Explosion
· Overland Flood (not available in all territories)
· Hail
· Wind
· Vandalism
· Smoke
· Falling object
· Ground water (not available in all territories)
· Riot
· Theft
· Sewer backup (not available in all territories)
· Burst pipes
· Identity theft

**Please note that even the most comprehensive insurance policies will not cover every type of loss. As a homeowner you are responsible for the maintenance and upkeep of your property, things like wear and tear, workmanship issues and manufacturer defects will not be covered.

TIP- Below are a few different ways that may help lower your home insurance premiums:
- One of the best ways to lower your premium is to package your home and personal auto policy
- Install a monitored fire/burglar alarm
- Consider higher deductibles

Call us at (403) 220-0228 to get your custom quote.