Aviva

Dwelling Coverage

General Information

Insurance protection for the physical dwelling/building occupied by the insured as a primary residence. This also covers detached structures on the property – such as a shed and garage.

Product Coverage

Many insurance policies are offered on an “All Risk” basis. This means that the dwelling is insured for all types of losses unless it is specifically excluded. Common occurrences covered in a policy include fire, damage from wind & hail, theft and certain water-related damage.

Product Exclusion

Events such as flood, use of the dwelling for business or farming purposes, intentional damage and illegal activities.

Learn more at Aviva Canada

Product FAQ

Is property insurance mandatory?
It is not legally mandatory to have property insurance. However, if your property is financed with a mortgage, your lender will most likely require you to have home insurance coverage in case of damage caused by unforeseen circumstances.
I rent; do I need tenant insurance?
If you are currently renting, it is not a legal requirement to obtain tenant’s insurance. However, it is highly recommended that tenant’s insurance is obtained to cover damage to your belongings and personal liability in the event of a covered claim.
Who is covered under my home policy?
Your homeowner’s insurance policy covers your personal property and your liability. It also extends coverage to your spouse, any person under the age of 21 in your care and immediate family members.

Disclaimer

This document is for information purposes only. The insurance products described in this document are subject to terms, conditions, restrictions, and exclusions, which are outlined in our final policy wording. Please speak with your Aviva insurance broker if you would like to learn more. Aviva and the Aviva logo are trademarks used under license by the licensor. Ovation® and their associated word marks and logos are trademarks, designs and other forms of intellectual property owned by Aviva Canada Inc. Insurance products are underwritten by Aviva Insurance Company of Canada, Traders General Insurance Company and Elite Insurance Company.