Do you have an extraordinary passion or collection? Have you converted a room in your house into a music studio? Or have you acquired the sailboat of your dreams? Or maybe your basement is a mini-museum dedicated to your favorite professional sports team?
Your home insurance policy pays out a maximum amount, or limit, when it comes to certain property. In case of a loss, your indemnity will never exceed the amount stated under the policy. If you feel that the limits are lower than the value of some of the items you own, talk to your home insurer or broker and ask for a higher coverage for them.
Talk to your broker. If you feel that the limitation amounts are lower than the value of certain assets you own, ask for a higher insurance amount for these assets.
Goods for which coverage is limited on most insurance contracts, regardless of the type of loss covered:
| Animals | 2 000 $ |
| Boats | 2 000 $ |
| Gold or silver bars, bank notes and cash | 200 $ |
| Software | 2 000 $ |
| Lawn tractors, equipment trailers | 5 000 $ |
| Securities | 2 000 $ |
| Personal property used for professional activities | 2 000 $ |
Biens dont la couverture en cas de VOL est limitée sur la plupart des contrats d’assurance:
| Vins et spiritueux | 5 000 $ |
| Bijoux | 2 000 $ |
| Fourrures | 2 000 $ |
| Manuscrits, timbres, monnaie | 2 000 $ |
| Articles en argent ou en or | 5 000 $ |
| Supports audio et vidéo (incluant les disques compacts et les DVD) | 2 000 $ |
| Objets d’art | 10 000 $ |
| Collections | 2 000 $ |
Les montants peuvent varier d’un assureur à l’autre et en fonction de la protection choisie.
Source: infoassurance.ca
Talk to your broker. If you feel that the limitation amounts are lower than the value of certain assets you own, ask for a higher insurance amount for these assets.
Do you have an extraordinary passion or collection? Have you converted a room in your house into a music studio? Or have you acquired the sailboat of your dreams? Or maybe your basement is a mini-museum dedicated to your favorite professional sports team?
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