SGI CANADA Policy Booklet - Your Easy Read Home/Mobile Home

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Table of Contents Page Introduction............................................................................................. 1 Who We Cover ......................................................................................... 1 PART 1 — YOUR DWELLING OR MOBILE HOME DWELLING AND BELONGINGS WHAT WE COVER Your Premises .................................................................................. 3 Your Dwelling.................................................................................... 3 Your Outbuildings ............................................................................. 3 Your Belongings................................................................................ 3 CAUSES OF LOSS WE COVER Perils Insured — Cover Code A — Standard Perils.......................... 4 Perils Insured — Cover Code B — Named Perils............................. 5 Perils Insured — Cover Code C — Comprehensive......................... 5 ADDED FEATURES OF YOUR PART 1 COVERAGE Arson Conviction Reward ................................................................. 7 Automatic Acquisitions...................................................................... 7 Automatic Residence Coverage ....................................................... 7 Belongings of Guests and Employees .............................................. 7 Credit, Debit, or Electronic Funds Transfer Cards, Cheques, and Counterfeit Money................................................. 8 Collapse ............................................................................................ 8 Debris Removal ................................................................................ 8 Emergency Entry Property Damage ..................................................8 Emergency Mobile Home Removal .................................................. 9 Fraud Conviction Reward ................................................................. 9 Increased Living Expenses and Lost Rental Income ............................................................... 9 Inflation Protection Factor ................................................................. 9 Lock Replacement Coverage.......................................................... 10 Mass Evacuation............................................................................. 10 Outdoor Trees, Shrubs, and Plants ................................................ 10 Property Protection Coverage......................................................... 10 Tear Out.......................................................................................... 10 Temperature Change (Food/Freezer Coverage) ............................ 10 OPTIONAL COVERAGES Homeowner’s Guarantee ................................................................ 11 Added Features of Homeowner’s Guarantee: (1) Mortgage Rate Protector...................................................... 11 (2) Building Code/Bylaw Extra Expense.................................... 11 (3) Single Amount of Protection ................................................ 11 Increased Limits Coverage ..............................................................12 Identity Theft Coverage................................................................... 13 Sewer Backup Coverage ................................................................ 13 Voluntary Fire Fighting Coverage ....................................................14 SETTLING A CLAIM Deductible ....................................................................................... 14 Franchise Clause ............................................................................ 14 Dent Exclusion Clause for Mobile Homes....................................... 14 Replacement Cost and Actual Cash Value..................................... 14 Dwelling and Outbuildings .............................................................. 15 Belongings ...................................................................................... 15 Pairs and Sets................................................................................. 16 Obsolescence — Dwelling, Outbuildings, and Belongings ............. 16 Roof and Roof Coverings................................................................ 16 PROPERTY WITH SPECIFIC AMOUNTS OF PROTECTION ............................................................................... 16 PROPERTY AND CAUSES OF LOSS WE DO NOT COVER .......... 17 GENERAL CONDITIONS FOR PART 1............................................ 19
PART 2 — PERSONAL LIABILITY DEFINITIONS .................................................................................... 20 PERSONAL LIABILITY..................................................................... 21 AMOUNT OF PROTECTION............................................................. 21 BODILY INJURY AND PROPERTY DAMAGE................................. 21 TENANTS AND RENTERS ............................................................... 22 ADDED FEATURES OF YOUR PART 2........................................... 22 OPTIONAL EXTENSIONS JET PROPULSION PERSONAL WATERCRAFT LIABILITY COVERAGE ................................................................................ 23 PRAIRIE AND FOREST FIRE FIGHTING EXPENSES COVERAGE .......................................................... 23 CLAIMS WE WILL NOT COVER ...................................................... 24 IF YOU HAVE A CLAIM .................................................................... 26 HOW WE SETTLE A CLAIM ............................................................ 26 GENERAL CONDITIONS FOR PART 2............................................ 26 STATUTORY CONDITIONS ..................................................... 29
Page 1: Policy Booklet Your Easy Read Home/
Page 5 and 6: When we say we, us, or our, we mean
Page 7 and 8: — belongings while you move them
Page 9 and 10: will cover it if it was due to a su
Page 11 and 12: to a peril for which your own belon
Page 13 and 14: Lock Replacement Coverage We will p
Page 15 and 16: You decide what portion of the sing
Page 17 and 18: We do not cover loss or damage caus
Page 19 and 20: Pairs and Sets (Applicable to Belon
Page 21 and 22: damage to other property caused by
Page 23 and 24: Part 2 — Personal Liability (Does
Page 25 and 26: h) claims due to your use of motori
Page 27 and 28: or the Government of Canada; ii) an
Page 29 and 30: If You Have A Claim What you must d
Page 32 and 33: Statutory Conditions In respect of
Page 34 and 35: (2) The insurer shall contribute pr
Page 36: 5000 AHM-19 01/2010 www.sgicanada.c

SGI CANADA Policy Booklet - Your Easy Read Home/Mobile Home

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