Ghobeuxf PolicyLocDocument

Your Future is Safe With Us
Insurance Documents For:

Mary Elizabeth Cudizio
Policy ID:
GHOBEUXF
Policy Location ID:

GHOBEUXF
Document Type:
New Business
Effective Date:
2024-04-27
Location:
15 SHERBOURNE ST, ORANGEVILLE, ON, L9W 4N4
Broker:
Scoop Insurance Brokers Ltd.

866-456-6620
customercare@scoopinsurance.ca
Max Insurance 710-50 Queen Street North, Kitchener, Ontario, N2H 6P4 Tenants_PolicyPackage_20240403
Billing Statement
Named Insured Mailing Address Policy ID Statement Date
Mary Elizabeth Cudizio 13-15 Sherbourne St, Orangeville, ON, L9W4N4 GHOBEUXF 2024-04-03
Policy Details
Policy Policy Location Address Policy Term Policy Payment Payment

Type Location Effective Term Frequency Type
ID Expiry
Tenants GHOBEUXF 15 SHERBOURNE ST, 2024-04-27 2025-04-27 Monthly EFT

ORANGEVILLE, ON, L9W 4N4
Payment Schedule
Here is your payment schedule as of 2024-04-03:
Due Date Premium Tax Service Fee Total Amount
2024-04-05 $50.17 $4.02 $2.00 $56.19
2024-06-27 $25.09 $2.01 $2.00 $29.10
2024-07-27 $25.09 $2.01 $2.00 $29.10
2024-08-27 $25.09 $2.01 $2.00 $29.10
2024-09-27 $25.09 $2.01 $2.00 $29.10
2024-10-27 $25.09 $2.01 $2.00 $29.10
2024-11-27 $25.09 $2.01 $2.00 $29.10
2024-12-27 $25.09 $2.01 $2.00 $29.10
2025-01-27 $25.09 $2.01 $2.00 $29.10
2025-02-27 $25.09 $2.01 $2.00 $29.10
2025-03-27 $25.02 $2.01 $2.00 $29.03
$301.00 $24.12 $22.00
These amounts will be processed on the dates listed above using your selected payment method
Questions? Call your broker at 866-456-6620 TOTAL AMOUNT $347.12
If your banking information changes, please contact your broker as soon as possible so we can update our
records.
You can obtain details on how Max Insurance protects and handles your personal information by visiting the
Legal & Privacy page of Max Insurance's website at www.maxinsurance.ca.
Payment Options
One-Time Payment: Policy with a one-time payment (credit card or VISA/MC debit only) will receive a payment link via email. Payment
MUST be made via the payment link.
Re-Occurring Payments: Policy with re-occurring payments will be withdrawn on the date requested.
The terms and conditions for pre-authorized payments provided herein will automatically apply if you've elected for a re-occurring billing plan.
These terms and conditions will be applied based upon your previously selected payment method and frequency.
Any change to your payment frequency must be completed prior to your first payment instalment date or the effective date of
the policy.
Step 1: Choose Payment Frequency
One-Time Payment Re-Occurring Payments
Annual Payment** Quarterly Payment* Monthly Payment* Annual Payment
Step 2: Choose Payment Type
Credit Card or VISA/MC Debit Pre-Authorized Chequing
*Please note, if you have had an NSF in the last 3 years, you are not eligible for re-occurring payments. A charge of $35 dollars will
be applied to all NSF payments. There is a 3% Service Charge for re-occurring payments - minimum $5 dollars per installment for
Quarterly payments and minimum $2 dollars per installment for Monthly payments. **Please note, one-time Annual payments are
available on credit card or VISA/MC debit only.
Certificate of Insurance - Policy Location ID GHOBEUXF
Policy Form - Tenants

This policy contains clauses that may limit the amount payable
Insured Information
Named Insured Mailing Address
Mary Elizabeth Cudizio 13-15 Sherbourne St, Orangeville, ON, L9W4N4
Policy Term Effective Policy Term Expiry Last Non-Payment Cancel Broker
2024-04-27 2025-04-27* None Scoop Insurance Brokers Ltd.
*12:01 A.M. local time at the mailing address of the Named Insured.
Underwriting Information and Disclosures
All heat sources are approved by the Canadian Standards Association (CSA), the Canadian Gas Association (CGA) or OMNI-Test
Laboratories (OTL) and listed by the Underwriters Laboratory of Canada (ULC) or Warnock Hersey (W-H) professional.
Client must not have been previously cancelled for insurance fraud, material misrepresentation, or non-disclosure.
The dwelling cannot be vacant, under construction, have an unfinished exterior, have an open claim or have unrepaired damage as a
result of a claim.
Tenant location is not sublet to others at any time during the year.
Home, tenant and owner occupied condo risks cannot be insured in a business name.
There are no business operations on the premises, unless insured under the home-based business endorsement with Max Insurance.
There are no business operations on the premises where there is a Commercial General Liability policy in place with another insurer.
The dwelling is not part of co-operative housing.
We will not insure more than one dwelling on a premises. Any additional dwellings on the same premises will be insured as Detached
Private Structures, which in aggregate will be insured at or below the Detached Private Structure limit.
At the time the policy will be or has been bound there are no current evacuation notice or weather events occurring.
Sewer Backup and Overland Flood is quoted at full policy limit.
Claims Information
Loss Date Claim Type
NONE
Three ways to start a claim:
866-456-6620 877-770-7729 www.maxinsurance.ca
Contact your Broker Call Us 24/7 Submit Online
Location Information
If any information below is incorrect or has changed please contact your broker
Dwelling Address: 15 SHERBOURNE ST, ORANGEVILLE, ON, L9W 4N4
Contents Limit Year Built Structure Storeys
$40,000 1987 Townhouse/Rowhouse 2
Structure Material Exterior Finish Has Basement/Crawlspace Square Feet
Frame Veneer - Brick, Stucco, Masonry, Stone True 850
Roof Material Roof Year Electrical Amps Septic Tank
Asphalt Shingles 2010 200 AMP False
Primary Heat Primary Heat Year Secondary Heat Secondary Heat Year
Natural Gas 2010 None None
Mortgage Free Units Families
True 1 1
Coverage Information
In consideration of the premium shown, the Insurer will indemnify the Insured with the terms and conditions of the Policy.
The Policy is issued subject to the certificate of insurance, coverage agreements, exclusions, definitions, conditions, and
limits as well as the endorsements to the policy which may from time to time be added to form part of the policy. All limits
shown are in Canadian Dollars.
Coverage Deductible Limit Premium
Personal Property $1,000 $40,000 $301
Personal Liability $1,000 $2,000,000 Included
Dwelling Loss of Use $1,000 $12,000 Included
Overland Flood $1,000 Included Included
Sewer Backup $1,000 Included Included
Wind & Hail $1,000 Included Included
Earthquake EXCLUDED
Water Service Line EXCLUDED
Voluntary Medical Payments $1,000 $5,000 Included
Voluntary Property Damage Payments $1,000 $5,000 Included
Optional Coverages
Coverage Deductible Limit Premium
NONE
*12:01 A.M. local time at the mailing address of the Named Insured.
Authorized Representative(s)
Pre-Authorized Payment Terms and Conditions
ONLY APPLICABLE TO CUSTOMERS THAT HAVE SELECTED AN AUTOMATICALLY RE-OCCURRING PAYMENT METHOD
Payment Method via Bank Withdrawal
I/We authorize Max Insurance and the financial institution designated (or any other financial institution I/we may
authorize at any time) to begin deductions as per my/our instructions for regular recurring payments as acknowledged in
this Agreement, for payment of all charges arising under my/our insurance policy purchase with Max Insurance (each
applicable insurance policy, a “Max Insurance Policy”).
I/We understand that the full amount of all pre-authorized payments will be debited to my/our specific account on an agreed upon
frequency as indicated in the pre-authorized payment form.
I/We have certain recourse rights if any debit does not comply with this Agreement. For example, I/we have the right to receive
reimbursement for any pre-authorized debit that is not authorized or is not consistent with this Agreement (a “Reimbursement
Claim”). To obtain a form for a Reimbursement Claim, or for more information on my/our recourse rights, I/we acknowledge that
I/we may contact my/our financial institution or visit: www.payments.ca.
I/We understand if there is a change in premiums due to a change in coverage or upon renewal of my/our Max Insurance Policy,
the amount of my/ our pre-authorized payments will automatically be changed by Max Insurance as outlined in my/our Billing
Account Statement and the terms of this Agreement will continue to apply (subject to the terms hereof).
I/We understand that if I/we elect to cancel this Agreement on the terms provided below, I/we may obtain a sample cancellation
form, along with additional information regarding my/our right to cancel this Agreement, by contacting my/ our financial institution or
by visiting: www.payments.ca.
Payment Method via Credit Card
I/We authorize Max Insurance to store the credit card information provided with my/our insurance policy purchase with Max
Insurance (each applicable insurance policy, a “Max Insurance Policy”) or provided as payment information in connection therewith
(as may be updated from time to time, “the Stored Credential”).
I/We understand Max Insurance will (directly or through a third-party payment processor) retain the Stored Credential and I/we may
obtain our Stored Credential upon written request.
I/We understand the terms and conditions of my/our scheduled payment plan with Max Insurance and I/we authorize Max
Insurance to make recurring charges to the Stored Credential for payment amounts I/we have authorized or authorize
from time-to-time as acknowledged in this Agreement and, if necessary, initiate adjustments for any transactions
contemplated in connection with my/our Max Insurance Policy in accordance with this Agreement.
I/We authorize Max Insurance to charge the Stored Credential in the amount of my/our total term premium as provided in my/our
Max Insurance Policy, plus all applicable taxes and associated service fees (all as shown on my/our Billing Account Statement),
according to the payment frequency I/we select or have selected as indicated in the pre-authorized payment form.
I/We understand the amounts charged to the Stored Credential may vary if changes occur to my/our Max Insurance Policy
(including the applicable policy premium), which will be outlined in my/our Billing Account Statement and, in such event, the terms
of this Agreement will continue to apply (subject to the terms hereof).
I/We will ensure that sufficient funds are available on each payment due date associated with my/our Max Insurance Policy and
understand that, in the event there are non-sufficient funds available for such payment when any attempted transaction associated
therewith occurs, a $35.00 fee may apply.
Applicable to All Payment Methods

I/We certify that all payment information provided is accurate and complete.
I/We acknowledge and agree that this “Agreement” shall refer and apply to any pre-authorized payment form signed by me/us in
connection with my/our Max Insurance Policy.
I/We understand and agree that my/our pre-authorized payment method will be automatically charged in accordance with my/our
selected payment frequency and that my/our pre-authorized payment method will continue to be automatically charged upon
renewal of my/our Max Insurance Policy.
I/We understand and agree that the following service fee and minimum service charge will apply to Quarterly or Monthly payment
frequencies (if selected): (1) Quarterly Payments are subject to a 3% service fee with a minimum service charge of $5 per
transaction, and (2) Monthly Payments are subject to a 3% service fee with a minimum service charge of $2 per transaction.
I/We warrant and guarantee that all persons whose signatures are required to authorize this Agreement and any payments
contemplated herein have signed this Agreement and that all persons signing this Agreement have read and understand the terms
of this Agreement and are persons with signing authority on my/our pre- authorized payment account.
I/We understand that, subject to the termination conditions provided herein, the recurring payments authorized under this
Agreement shall remain in effect until Max Insurance has received notification from me/us of any changes to the status of my/our
Max Insurance Policy through my/our insurance broker. Unless otherwise set forth in my/our Max Insurance Policy, this notification
must be received by Max Insurance at least ten (10) business days before the next payment due date associated with my/ our Max
Insurance Policy.
If my/our banking or credit card information (as applicable) is changed or updated at any time hereafter, I/we understand and agree
that the pre-authorized payment terms we have selected in this Agreement shall continue to apply and will provide notice of such
changes at least ten (10) business days before the next payment due date associated with my/our Max Insurance Policy.
I/We understand if I/we make changes to, or are asked to update, my/our payment method or information, I/we may be required to
consent to a revised or updated recurring payment agreement or similar agreement with Max Insurance at that time, which revised
or updated recurring payment agreement, or similar agreement, shall replace and supersede this Agreement in all respects and
this Agreement shall be immediately terminated notwithstanding any other terms hereof.
I/We acknowledge and agree that the pre-authorized payments authorized in this Agreement are continuous and will
automatically apply to the renewal terms of my/our Max Insurance Policy, unless I/we have instructed differently in
writing.
I/We acknowledge and agree that this Agreement will expire when BOTH of the following conditions are met: (1) termination of
my/our applicable Max Insurance Policy; and (2) receipt of payment in full by Max Insurance of all outstanding balances associated
with my/our Max Insurance Policy (as shown on my/our Billing Account Statement).
I/We understand that I/we may cancel this Agreement at any time by submitting written notice of my/our desire to cancel this
Agreement upon 30 days advanced written notice.
I/We acknowledge and agree that If I/we elect to cancel this Agreement (1) I/we must make other arrangements for
payment of all amounts associated with my/ our Max Insurance Policy, and (2) cancellation of this Agreement will not
terminate my/our Max Insurance Policy or any other contract I/we have with Max Insurance.
I/We understand that any outstanding balance, as shown on my/our Billing Account Statement with Max Insurance, will deem this
Agreement to be in effect notwithstanding whether I/we have an effective, ongoing, insurance policy with Max Insurance.
I/We understand that, unless explicitly provided herein, this Agreement shall survive termination of my/our Max Insurance Policy
and shall remain in effect if my/our Max Insurance Policy is terminated and subsequently reinstated for any reason.
I/We acknowledge and agree that if a credit is owed to me/us from Max Insurance, the credit will (1) be applied to any outstanding
balance owed on my/our Billing Account Statement, and thereafter, (2) any remaining credit amount will be refunded to me/us;
provided that, if I/we elected to authorize monthly payments on the pre-authorized payment form, such credited amount may be
applied to upcoming monthly payments incurred in accordance with my/our Max Insurance Policy.
I/We waive the right to receive further notice of the amount and date of each pre-authorized payment authorized by this
Agreement.
I/We understand Max Insurance cannot be held liable for any service charges levied by my/our financial institution and I/we hereby
agree to be solely liable for any such service charges incurred in connection with this Agreement.
I/We understand that I/we can obtain further details on how Max Insurance protects and handles my/our personal information by
visiting the Legal & Privacy page of Max Insurance’s website at www.maxinsurance.ca.
I/We acknowledge and agree that Max Insurance may amend, update, or revise this Agreement (in its sole discretion).
I/We waive the right to receive a copy of any amendments, updates, or revisions to this Agreement and I/we understand
that I/we may obtain a copy of the foregoing by visiting the Pay My Bill page of Max Insurance’s website at
www.maxinsurance.ca.
I/We agree the currency for all charges, refunds, and/or credits processed pursuant to this Agreement shall be Canadian Dollars.
I/We understand and agree that any notifications or requests to Max Insurance regarding this Agreement should be sent
through my/our insurance broker.
Tenants All-Inclusive Policy
Your policy is written in simple language so that it is easy to understand your insurance protection. This policy is a legal contract between you
and us.
Please read your policy carefully to determine your coverage, your rights, and your responsibilities.
This policy specifically provides insurance for your personal property and actions, not for your other farm operations or business property and
actions, unless otherwise indicated on your Certificate of Insurance.
Agreement
We provide the insurance described in this policy in return for payment of premium and subject to the terms and conditions set out. All
amounts of insurance, premiums and other amounts referenced in this policy are in Canadian currency.
The Certificate of Insurance summarizes the coverages and amounts of insurance we have agreed to provide and the period for which they
are provided. In some instances, the amounts of insurance are specifically declared in this policy form.
If we broaden coverage under this policy form while the policy is in effect, you will immediately receive the benefit of the increased coverage at
no additional charge.
Defined Terms
Each reference to these terms in this policy will have their meaning interpreted as defined.
Bodily injury, means any damage to a person's physical condition including pain, illness or resulting death.
Business, means any full-time, part-time or occasional pursuit undertaken for financial gain which is owned in whole or part by you and
operated on or from the premises. This includes a trade, profession or occupation.
Business property, means property pertaining to a business, trade, profession or occupation.
Civil authority, means any person acting under the authority of Government legislation with respect to the protection of persons and
property in the event of an emergency.
Computer systems, means any computer, hardware, software, communications system, electronic device (including but not limited to
smart phone, laptop, tablet, wearable device), server, cloud or microcontroller including any similar system or any configuration of the
aforementioned and including any associated input, output, data storage device, networking equipment or back up facility.
Cryptocurrency, means any form of currency that only exists digitally, that usually has no central issuing or regulating authority but
instead uses a decentralized system to record transactions and manage the issuance of new units, and that relies on cryptography to
prevent counterfeiting and fraudulent transactions.
Cryptography, means the enciphering and deciphering of messages in secret code or cipher, also the computerized encoding and
decoding of information.
Cyber Act, means an unauthorized, malicious or criminal act or series of related unauthorized, malicious or criminal acts, regardless of
time and place, or the threat or hoax thereof involving access to, processing of, use of or operation of any computer system.
Cyber incident, means:
any error or omission or series of related errors or omissions involving access to, processing of, use of or operation of any
computer system; or
any partial or total unavailability of failure or series of related partial or total unavailability or failures to access, process, use or
operate any computer system.
Data, means information, facts, concepts, code or any other information of any kind:
that is recorded or transmitted in a form to be used, accessed, processed, transmitted or stored by a computer system; or
that is used for records, including but not limited to books of account, drawing or card index systems.
Data Problem, means:
erasure, destruction, corruption, misappropriation or misinterpretation of data;
error in creating, amending, entering, deleting or using data; or
inability to access, receive, transmit or use data.
Dwelling means, the building or unit on your premises described on your Certificate of Insurance that is occupied mainly as a private
residence.
Detached Private Structures, means the structures or buildings on your premises separated from your dwelling by a clear space. If the
structure is connected to your dwelling by a fence, utility line or similar connection only, they are considered to be detached private
structures.
Employee, means a person in your employment whose duties are principally connected with your business or farm operations. A farm
employee shall not include a person on the farm premises in the course of a neighbourly exchange of labour, who does work for which
no charge is made or contemplated.
Farm operations, means the operation of an agricultural enterprise, which is the management of farmland, comprising the work of
cultivating the soil, producing crops, raising livestock and also includes the operation of roadside stands on your farm premises,
maintained solely for the sale of farm products produced principally by you. Unless specifically indicated on the Certificate of Insurance,
farm operations does not include retail activity other than that described above; or mechanized processing operations, or marketing of
seed. Seed includes seeds, bulbs, plants, roots, tubers or other similar means of plant propagation.
Fungi, includes, but is not limited to, any form or type of mould, yeast, mushroom or mildew whether or not allergenic, pathogenic or
toxigenic, and any substance, vapour or gas produced by, emitted from or arising out of any fungi or spores or resultant mycotoxins,
allergens or pathogens.
Identity theft, means the actions of a third party to acquire key pieces of information about your identity and knowingly use it, without
your permission, with the intent of committing a crime.
Major renovation, means the structural integrity of the dwelling or detached private structure will be altered during the construction
process by building an addition or extension, or the occupants will be residing elsewhere while the dwelling or detached private structure
is under construction.
Mobile home, means a dwelling which has been fully constructed inside a factory. These homes are built on a steel frame chassis that
forms part of the floor structure of the home. The steel frame has axles, wheels, and a hitch, that are removed after it has been delivered
to the homeowner's site. These homes are complete when they leave the factory except for incidental assembly on site.
Personal, means any activity not defined as business or farm operations.
Premises, means the land contained within the lot lines on which your dwelling is located as described on your Certificate of Insurance.
For Condominiums, your unit as defined by the relevant Provincial Condominium Act. This also includes garage spaces, storage
lockers, Detached Private Structures and private approaches reserved for your use or occupancy only.
Principal residence, means the dwelling the Named Insured designates as their principal residence with the Canada Revenue Agency.
Professional service, means services requiring special training and qualifications in a profession whose conduct is regulated by
custom or law.
Property damage, means unintentional damage to or destruction of, or loss of tangible property, including loss of use resulting from
such loss.
Residence employee, means a person employed by you to perform duties in connection with the maintenance or use of the premises.
This does not include persons while performing duties in connection with your business.
Residential care facility, means an institution that provides health care services to persons who live there, however this does not
include a hospital, rooming or boarding home, alcoholism or drug rehabilitation facility, orphanage, reformatory or correctional institution
or halfway house.
Spores includes, but is not limited to, any reproductive particle or microscopic fragment produced by, emitted from or arising out of any
fungi.
Terrorism, means an ideologically motivated unlawful act or acts, including but not limited to the use of violence or force or threat of
violence or force, committed by or on behalf of any group(s), organization(s) or government(s), for the purpose of influencing any
government and/or instilling fear in the public or a section of the public.
Vacant means, regardless of the presence of furnishings, all occupants have moved out with no intention of returning to reside
continuously in the dwelling and no new occupant has taken up residence. In the case of a newly constructed or acquired dwelling,
within 30 days of the effective date of the dwelling being added to the policy, no occupant has yet taken up residence. For the purpose
of this definition, no person is an occupant who, at the time of any loss or damage to insured property, is residing in the premises
without your permission.
For landlord or rental condominium policy forms, a person is only an occupant if they have agreed with you to lease the premises for a
period of at least one year, or have continuously resided in the premises, with your permission, for at least one year.
Volunteer, means any person who donates time to an organization for a charitable purpose or in direct service to the general public or
the community.
Water service line, means water piping that connects to a water supply; drain piping that drains water away from the dwelling; and
water or steam piping connecting a heating system to the dwelling.
We, Us or Our, means the company providing this insurance.
You or Your, means those shown on the Certificate of Insurance as Named Insureds and the following people while also living in your
dwelling as described on the Certificate of Insurance:
Your spouse, as defined by the provincial legal status for spouse in the Family Law within your province, your relatives, and any
people under age of majority in your care;
Any student or their spouse attending school, college, or university who is dependent on you for support, even if temporarily living
away from your dwelling;
Your parents or persons legally in your custody while residing in a residential care facility;
If you are a partnership, joint venture, corporation, trust or society, the owners of such organizations that are currently living on
the premises listed on your Certificate of Insurance; and
Unmarried partners, over the age of majority.
In addition, for Section II - Liability Coverage only, you and your also includes the following:
A residence employee while in the course of their employment for you;
Any person legally liable for damages arising out of the use, operation or care for a watercraft or animal owned by you and to
which this insurance applies. This does not include anyone using or having custody of the watercraft or animal in the course of
any business, farm operations or without your permission;
Your executor or power of attorney having custody of your premises, but only with respect to liability arising out of ownership,
use, or occupancy of the premises or other property insured by this policy;
Any person insured by this policy at the time of your death who continues to live in the dwelling insured by the policy;
If the premises is situated on leased land, the owner of the leased land, but only with respect to liability arising out of the
ownership, use, or occupancy of the premises listed on your Certificate of Insurance; or
If you are a partnership, joint venture, corporation, trust or society, the owners of such organizations that are not currently living
on the premises listed on your Certificate of Insurance, but only with respect to liability arising out of the ownership, use or
occupancy of the premises listed on your Certificate of Insurance.
Section I - Property Coverage
Personal Property Coverage
We insure the contents of your dwelling, while on your premises or temporarily away from your premises anywhere in the world, and other
personal property you own, wear or use which is usual to the ownership or maintenance of a dwelling.
Personal property stored in a public storage facility is insured for a period of 90 days only, from the date the property was first stored or the
expiry of the policy, whichever occurs first.
We will insure the personal property of a student insured by this policy, who is temporarily living away from home for the purpose of attending
a school, college or university. We will also insure the personal property of a person insured by this policy that resides in a residential care
facility.
If you are not the owner of the dwelling, we also insure dwelling improvements and betterments made by you or acquired at your expense but
only in the portion you occupy as a private residence.
Special Limits for Personal Property
For each of the following class of items, the stated limits are the maximum amounts that we will pay per occurrence caused by an insured
event:
Each bicycle, including electric bicycles, its equipment and accessories, up to $3,000 in all.
Books, tools and instruments pertaining to a business, profession or occupation are only insured while on your premises, and only for
an amount up to $5,000 in all.
Cannabis in all consumable forms and cannabis plants, whether for recreational or medicinal use, up to $500 in all.
Collections of one or more items for personal interest of books, coins and paper currency, comic books, dolls, games, magazines,
manuscripts, posters, sports cards, sports clothing and accessories, sports memorabilia, stamps, toys, or trading cards, up to $5000 in
all.
Fur garments, garments trimmed with fur and all other fur items up to $5,000 in all.
Jewellery, gems, precious or semi-precious stones, pearls and watches up to $5,000 in all.
Luggage, pet carriers, purses, wallets, totes, clutches, carrier bags, and hand bags up to $5,000 in all.
Money including cash cards or gift certificates or bullion, up to $500 in all.
Securities up to $5,000 in all.
Spare automobile parts up to $5,000 in all.
Sporting equipment, including guns and fishing equipment, up to $5,000 in all.
Watercraft, whether assembled or not, their furnishings, equipment, accessories, trailers and motors up to $5,000 in all.
Wine and spirits up to $5,000 in all.
Works of art, such as paintings, pictures, drawings, etchings, engravings, prints and lithographs, including their frames, sculptures,
statuettes and assemblages, and hand-made rugs and tapestries up to $5,000 in all.
Dwelling Loss of Use Coverage
If, as a result of damage caused by an insured event, your dwelling is unfit for occupancy or you have to move out while repairs are being
made, we insure any necessary increase in living expenses, including moving expenses incurred by you, so that your household can maintain
its normal standard of living. Payment will be for the reasonable time required to repair or rebuild your dwelling or, if you permanently relocate,
the reasonable time required for your household to settle elsewhere.
If an insured event makes that part of the dwelling or detached private structures rented to others or held for rental by you unfit for occupancy,
we insure its fair rental value. Payment will be for the reasonable time required to repair or replace that part of the dwelling or detached private
structures rented or held for rental. Fair rental value will not include any expense that does not continue while that part of the dwelling or
detached private structures rented or held for rental is unfit for occupancy.
We will pay necessary and reasonable increases in living expenses incurred by you and the fair rental value of that part of the dwelling or
detached private structures that is rented to others or held for rental while access to your dwelling is prohibited by order of civil authority, due
to an event not otherwise excluded by this policy. Your incurred expenses and fair rental value are subject to your deductible and you are
insured for a period of 14 days from the date of the order of evacuation, but only for an amount of $2,000 exceeding your deductible.
This coverage does not apply to an evacuation alert by civil authority. We only provide insurance for evacuation orders by civil authority.
You are responsible to pay the first portion of your incurred expenses up to the amount of your deductible, as shown on your Certificate of
Insurance. After your incurred expenses exceed your deductible, you are insured for such incurred expenses subject to the limits or amounts
of insurance shown on your Certificate of Insurance or within the Dwelling Loss of Use section of this policy form.
We do not insure the cancellation of a lease or agreement.
Other Included Coverages
Each of the coverages in this section of the policy only applies up to the specific limit shown for each coverage on your Certificate of
Insurance.
Arson or Theft Conviction Reward
We will pay $1,000 for information which leads to a conviction for burglary, robbery, theft, or arson in connection with a loss to property that we
insure. The limit itself will not be increased regardless of the number of persons providing information. No deductible will apply to this
coverage.
Credit, Debit or Automated Teller Cards, Depositors Forgery and Counterfeit Paper Money
We will pay up to $10,000 for any combination of the following coverages during your policy period.
Your legal obligation to pay because of the theft or unauthorized use of your credit or debit card;
Loss to you caused by forgery or alteration of cheques, drafts, or other negotiable instruments;
Loss by your acceptance, in good faith, of counterfeit Canadian or United States paper currency.
There is no coverage:
If the loss is caused by a resident of your dwelling or by a person to whom you have entrusted your cards, cheques, drafts or negotiable
instruments; or
If you have not complied with all the terms and conditions under which your cards were issued.
No deductible will apply to this coverage.
Damage to Dwelling
You may apply up to $1,000 of your Personal Property insurance to pay for damage, not including fire damage, to the portion of the dwelling
you occupy as a private residence directly caused by theft, attempted theft, vandalism, malicious acts, or vehicle impact while the vehicle is
being operated by you.
Fire Department Service Charges
We will reimburse you up to $100,000 for fire department charges incurred when a fire department is called to your premises to protect your
property from an event insured by this policy. No deductible will apply to this coverage.
Green Coverage Enhancement
For an insured event, if the basis of settlement is Replacement Cost, we will pay up to $5,000 for increases in direct cost to replace insured
property damaged or destroyed by an insured event using environmentally friendly and energy efficient materials, products, or methods of
reconstruction.
Identity Theft Expenses
Provided you first became aware of your identity theft during your policy period, we will pay up to $25,000 for the following identity theft
expenses.
Coverage is limited to the direct and reasonable costs associated with:

Notarizing required fraud affidavits or similar documents;
Correspondence, including certified mail and long-distance calls, with government agencies, financial, and credit institutions;
Lost wages as a result of time taken off work to correspond with the above parties, subject to a limit of $500 per week for net earnings,
up to a maximum aggregate of $2,000;
Loan application fees to re-apply for rejected loan(s) associated with the identity theft committed;
The services performed by an organization hired by you to assist in addressing the effects of the identity theft;
Legal fees incurred with prior notice given to us for:
Defense of lawsuits brought against you by merchants or collection agencies;
The removal of criminal or civil judgments wrongly entered against you;
Challenging the accuracy of any of your information in a credit report.
We do not cover:
A loss or damage already coverable under the Credit, Debit or Automated Teller Cards, Depositors Forgery and Counterfeit Paper
Money Coverage section of your policy; or
Identity theft expenses arising out of your business pursuits.
Lock Replacement
We will pay up to $1,000 to replace or re-key, whichever is less, the locks on your dwelling if your keys are stolen, provided the theft is
reported to the police or law enforcement agency having jurisdiction at the location of the theft. No deductible will apply to this coverage.
Moving to Another Premises
If you are moving to another premises in Canada, your personal property will be insured while they are in transit between premises insured by
us from the date the premises is removed from your policy for a maximum 90 consecutive days or until your policy expires, whichever is less.
Refrigerator or Freezer Food
We will pay up to $3,000 for loss or damage to food while contained in a refrigerator or freezer located on your premises caused by
interruption of electricity or by mechanical breakdown of the refrigerator or freezer.
We will not pay for:
Spoilage caused by the operation of an electrical circuit breaker or fuse by accidental or intentional disconnection of the power supply in
your dwelling or detached private structure containing the refrigerator or freezer; or
Expenses incurred to replace spoiled refrigerator or freezer food.
No deductible will apply to this coverage.
Trees, Plants, Shrubs or Lawns
We will pay up to $1,000 for insured loss or damage to trees, plants, shrubs or lawns, including debris removal expenses (this excludes
additional cost for tear out required to repair damages resulting from outdoor service lines), on your premises.
We insure these items only for loss caused by fire, lightning, explosion, impact by aircraft or land vehicles, riot, vandalism or malicious acts.
Property Coverage
What Are You Insured Against?
You are insured against all events of direct physical loss or damage subject to the exclusions, limitations and conditions of this policy.
What is Excluded?
Causes of Loss Excluded
We do not insure loss or damage resulting from, contributed to, or caused directly or indirectly by:
continuous or repeated discharge, leakage or seepage of water;
the backing up or escape of water from a sewer, sump, interior floor drain or septic tank;
flooding, which means:
waves, tides, tidal waves, tidal waters or tsunami;
escape of water from any natural or artificial body of water other than a swimming pool; or
spray from any of these.
intentional breach of any artificial structure constructed for the purpose of holding back, containing or controlling any body of water.
These structures include, but are not limited to, dams, dikes and levees;
rainwater, snowmelt, surface water and/or water below the surface of the ground.
This exclusion does not apply to:
rainwater or snowmelt which enters the dwelling through an opening created by an insured event other than water damage;
rainwater which enters through a roof due to overflow or backing up of the eavestrough;
water that enters through a roof due to the accumulation of ice or snow on the exterior of the roof or eavestrough; or
water from a swimming pool or public watermain which exerts pressure on or comes through the finished exterior of your dwelling
or detached private structures. However, we will not pay for loss or damage to the watermain itself.
escape of water from any plumbing, heating, cooling, sprinkler or air conditioning system on your premises, unless it is sudden and
accidental. We will not pay the resulting increase in the cost of the supplied water, or for loss or damage to the plumbing, heating,
cooling, sprinkler or air conditioning system on your premises from which the water escaped;
any form of water while your dwelling is undergoing any of the following with or without our knowledge and explicit permission: a major
renovation, a new build, or while your dwelling is vacant. This exclusion applies regardless of Optional Events Coverage that may be
purchased and shown on your Certificate of Insurance;
ice or waterborne objects all whether driven by wind or not;
freezing, unless it happens within a portion of your dwelling or detached private structure which is heated, and you have not been away
from your dwelling or detached private structure more than 7 consecutive days. If you are away from your dwelling or detached private
structure for more than 7 consecutive days, in order for coverage to apply, you must:
have a person to enter the dwelling or detached private structure once each week to ensure that heating is being maintained; or
shut off the water supply and drain all pipes and appliances; or
have your heating system connected to an alarm service which is monitored at all times and is capable of providing a response.
This exclusion includes, but is not limited to, loss or damage to hot tubs caused by freezing.
This exclusion does not apply to any fire suppression system installed within your dwelling or detached private structure.
earthquake, snowslide or iceslide, landslide, or any other earth movement. We will, however, cover ensuing loss or damage caused by
fire or explosion;
windstorm or hail;
smoke from agricultural smudging or industrial operations;
wear and tear, deterioration or defect;
For the purposes of this exclusion, wear and tear or deterioration of roof surfaces includes:
chipping, curling, clawing or cupping of roof surface material;
natural shrinkage of the roof structure;
brittle, cracked or blistered roof surface material;
loss of granules exposing the felt or underlying tar membrane or other membrane;
moss, algae or lichen growth.
electrical, electronic and mechanical breakdown or disturbance, but you are still insured for loss or damage resulting from fluctuations in
artificially generated electric current;
settling, expansion, contraction, moving, bulging, buckling, twisting or cracking. We will, however, cover resulting damage to the glass
of your dwelling;
rust or corrosion, wet or dry rot, dampness, extremes of temperatures, fungi or spores, bacteria, condensation, acid rain, or
contamination;
skunks, raccoons, birds, vermin, rodents, bats, insects, and pets, except loss or damage to glass of the dwelling or detached private
structures;
upset, overturn or shifting due to windstorm or hail of a mobile home that has not been anchored with tie downs;
electrical, electronic and mechanical breakdown or disturbance, but you are still insured for loss or damage resulting from fluctuations in
artificially generated electric current;
loss or damage resulting from any intentional or criminal act or failure to act, by any person insured by this policy or at the direction of
any person insured by this policy.
However, this exclusion does not apply to any person insured by this policy, but only to the extent of their proportional interest in the
lost or damaged property, who:
has not committed and was not a party to the intentional or criminal act or failure to act; or
has not abetted or colluded in the intentional or criminal act or failure to act; or
has not consented to the intentional or criminal act or failure to act and neither knew nor ought to have known that the intentional
or criminal act or failure to act would cause the loss or damage.
theft, attempted theft or vandalism by your tenant or other people at the direction of your tenant;
misappropriation, secretion, conversion, infidelity or any dishonest act by you or another party of interest, their employees or agents or
any person(s) to whom the property may be entrusted;
a change in ownership of property that is agreed to, even if that change was brought about by trickery or fraud;
any cyber act or cyber incident. We will, however, cover ensuing loss or damage caused by fire or explosion;;
any nuclear incident as defined in the Nuclear Liability Act, or any other nuclear liability act, law or statute, or any law amendatory
thereof, except for ensuing loss or damage directly from fire or explosion;
any contamination by radioactive material, except for ensuing loss or damage directly from fire or explosion;
any communicable disease including any expenses, in whole or in part, regardless of any other cause or event that contributes
concurrently or in any sequence to the loss or damage or expenses;
release, discharge or dispersal of any solid, liquid, gaseous or thermal irritant or contaminant, including odour, vapour, fumes, acids,
alkalis, chemicals and waste on your premises, except for oil that is currently being used as fuel in the heating system on your premises.
Waste includes materials to be recycled, reconditioned or reclaimed;
war, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, or military power;
terrorism, regardless of any other cause or event that contributes simultaneously or in any sequence to the loss or damage. We will,
however, cover ensuing loss or damage caused by fire or explosion.
Damage Excluded
We do not insure:
motorized vehicles or their equipment except for:
electric bicycles and electric scooters with a maximum speed of 32 km/h or less on level ground,
electric golf caddies,
electric vehicles intended for children with a maximum speed of 10 km/h on level ground,
lawn mowers, snow blowers, garden-type tractors, other gardening equipment,
watercraft, or
wheelchairs or medical scooters having more than two wheels and specifically designed for the carriage of a person who has a
physical disability.
camper units, truck caps, trailers or their equipment;
aircraft or their equipment;
evidences of debt or title;
cryptocurrencies;
non-fungible tokens;
data or the costs to recover, gather, assemble, or recreate any data, however caused;
duty or license fees for the cost of downloading or restoring data, for which you have paid duty or license fees. Data pertaining to
business use is not insured;
items grown or used for business purposes, goods held for sale, product samples, business records, or related data;
animals, birds or fish caused by theft, impact by a motorized vehicle or other object(s), illness, disease or injury;
sporting equipment where the loss or damage is due to its use;
outdoor attached equipment or detached private structures designed and used to generate or store renewable energy, including but not
limited to solar panels or wind turbines;
outdoor radio and television antennae (including satellite receivers) and their attachments caused by windstorm or hail, weight of ice,
snow or sleet, or collapse;
property at any fairground, exhibition or exposition for the purpose of exhibition, trade or sale;
accidental breakage, scratching, marring, abrasion or chipping of fragile or brittle articles including, but not limited to bric-a-brac,
glassware, chinaware, collectables of any kind, fine arts, marbleware;
property normally kept at another location you own, rent or occupy;
property of your tenants, roomers or boarders;
property undergoing any process or while being worked on, where the damage results from such process or work, but resulting damage
to other property is insured;
property illegally acquired, kept, stored, transported, or subject to forfeiture;
property lawfully seized or confiscated unless such property is destroyed to prevent the spread of fire;
the cost of correcting faulty design, material or workmanship;
your dwelling or detached private structures while being moved or transported;
your dwelling while your dwelling is undergoing a major renovation, a new build, or after it has, to your knowledge, been vacant for more
than 30 consecutive days, unless we provide permission for your dwelling to be vacant or under construction. If we provide permission
for your dwelling to be vacant or under construction we do not insure loss or damage caused by vandalism, malicious acts, theft or glass
breakage;
your dwelling if you have more than 2 roomers or boarders residing in your dwelling. This exclusion does not apply to a landlord or
rented condominium policy form. For a landlord or rented condominium policy form, we do not insure your dwelling if it is a student
rental or a dwelling with multiple rooms rented out in which tenants share a bathroom, kitchen facilities or other common spaces;
your premises rented or leased to others for more than 30 days in total within a policy term if your premises is not insured on a landlord
or rented condominium policy;
your premises if your tenants have not occupied or will not occupy the dwelling for a minimum of one-year, including short-term rentals.
This exclusion only applies to a landlord or rented condominium policy form;
any loss or damage if the named insured's principal residence is not located within the same province as the insured premises.
Additionally, the named insured must reside at their principal residence in the applicable province for at least six months each year. This
exclusion applies even if the named insured has another residence within the same province as the insured premises. This exclusion
only applies to a landlord or rented condominium policy form;
any loss or damage if your tenant rents or sublets all or any part of their unit as described in their lease agreement, whether you were
aware of it or not (for any period of time). This exclusion applies regardless of whether your tenant continues to reside on the premises
or not. This exclusion only applies to a landlord or rented condominium policy form;
any loss or damage if the premises is owned by a business entity that also has any other business or commercial operations besides
residential rentals of less than four units per premises. This exclusion applies even if the other business or commercial operations are
occasional or incidental in frequency and regardless of whether you were aware of such use or not. This exclusion only applies to a
landlord or rented condominium policy form;
your premises used in whole or in part for business or farming purposes unless shown on your Certificate of Insurance;
your premises used for the cultivation, harvesting, processing, manufacture, storage, distribution, or sale of any illegal substance or
items of any kind, whether you were aware of such use of your premises or not.
Optional Events Coverage
Each of the coverages in this section of the policy only applies if purchased and shown on your Certificate of Insurance and only up to
the specific limit shown for each coverage.
The coverage provided is subject to the terms of your policy, except where specifically modified to differ.
Earthquake Coverage
This extends your coverage to include loss or damage directly or indirectly arising from earthquake, including any ensuing event otherwise
insured herein or earthquake shock, including snowslide, iceslide, landslide, or other earth movements occurring concurrently with and directly
resulting from an earthquake shock.
Each loss caused by earthquake will constitute a single claim hereunder, provided that more than one earthquake shock occurring within any
consecutive one hundred and sixty-eight hours during the term of this policy will be deemed a single earthquake. Notwithstanding the above,
we will not be liable for any loss or damage caused by any earthquake shock occurring before this endorsement becomes effective nor for any
loss or damage caused by an earthquake shock occurring after the expiration of this policy.
This extension does not cover loss or damage caused directly or indirectly by the flood of any nature, including waves, tidal waves, tsunamis,
high water, waterborne objects, or ice - whether or not caused by or attributable to earthquake.
This extension does cover loss or damage to insured property, caused by wind, hail, rain or snow entering a dwelling or detached private
structure through an opening in the roof and / or walls directly resulting from an earthquake.
Deductible
This coverage is subject to the deductible shown on your Certificate of Insurance for this specific coverage.
Overland Flood Coverage
This extends your coverage to include loss or damage caused by surface water which exerts pressure on or comes through the finished
exterior of your dwelling or detached private structures at ground level as a result of the sudden accumulation of rain, or overflow from
freshwater lakes and/or rivers.
This coverage does not insure loss or damage caused by:

water below the surface of the ground, unless the loss or damage is concurrent with an event otherwise insured by this coverage; or
earth movement even if the earth movement is caused by the sudden accumulation of rain, overflow from freshwater lakes and/or
rivers, or water below the surface of the ground. This includes snowslide or iceslide, landslide, land subsidence or sinkholes, mudslide or
mudflow, destabilization or movement of land that results from accumulation of water below the surface of the ground, or gradual
erosion.
This coverage does not insure loss or damage to:
tractors, watercraft or trailers;
docks, rafts or boathouses;
retaining walls at the edge of a lake or river; or
your dwelling or detached private structures when water comes through any part of an unfinished exterior.
Deductible
Sewer Backup Coverage
This extends your coverage to include loss or damage caused by the backing up or escape of water from a sewer, sump, interior floor drain, or
septic tank. This coverage does not insure loss or damage caused by the backing up or escape of water from weeping tile or a perimeter
drainage system.
Deductible
Water Service Line Coverage
This extends your coverage to include loss or damage to a water service line located on the premises which you are responsible for its repair
or replacement caused by a leak, break, tear, rupture, or collapse. This limit includes the cost of tear out and the cost of replanting or
replacement of trees, plants, shrubs and lawns to repair damage related to the water service line.
This coverage does not insure a water service line that:

runs through or under a body of water, including, but not limited to, a lake, pond, stream or swimming pool, or
is not connected and ready for use.
Deductible
Windstorm and Hail Coverage
This extends your coverage to include loss or damage caused by windstorm or hail.
This coverage does not insure any dent loss or damage to the exterior metal siding, metal roofing (including any roof vents) or metal garage
doors of any dwelling, detached private structure or mobile home on the premises caused by windstorm or hail, unless the metal is actually
punctured to make an opening.
Deductible
Limits of Insurance
Your limits of insurance will be as shown on your Certificate of Insurance for each specific coverage.
Each limit of insurance under this policy form is the most that we will pay under that coverage for all loss or damage arising out of one insured
event. These amounts include the cost of removing debris from the premises if it was caused by an insured event.
Any loss or damage will not reduce the amounts of insurance provided by this policy, unless specified elsewhere in the policy.
On the renewal date of your policy, if required, we will automatically increase the amounts of insurance shown on your Certificate of Insurance
by amounts which are exclusively related to the inflation increase since the inception date of this policy or the latest renewal date.
Policy Deductible
We are responsible only for the amount by which the loss or damage caused by any insured event exceeds the amount of the deductible
shown on your Certificate of Insurance in any one occurrence.
Deductible waiver
If an insured event exceeds $50,000 we will waive the deductible amount shown if it is $1,000 or less. The deductible waiver will not apply
when the loss or damage is caused by or occurring after an earthquake.
Multiple deductibles applying to the same loss
In a single policy, if more than one deductible applies to an insured event only the highest of such deductibles will be required to be applied to
the loss.
Basis of Claims Payment
Personal Property
We will pay on the basis of replacement cost for all personal property except:
articles that cannot be replaced with new articles because of their inherent nature, such as antiques or works of art;
articles for which their age or history substantially contributes to their value, such as memorabilia, souvenirs, and collectors' items;
property that has not been maintained in good or workable condition;
property that is no longer used for its original purpose;
for which we will pay only on the basis of actual cash value.
We will pay the cost of reproduction from duplicates or from originals. However, we will not pay the cost of gathering or assembling information
or "data" for records, including books of account, drawings or card index systems, we will pay the cost of blank books, pages, cards or other
materials plus the cost of actually transcribing or copying the records.
Replacement cost means the cost, on the date of the loss or damage, of the lower of:
repairing the property with materials of similar kind and quality; or
new articles of similar kind, quality and usefulness; without any deduction for depreciation.
We will pay on the basis of replacement cost only if the property lost or damaged is repaired or replaced within 1 year from the date of the loss
or damage. Otherwise, we will pay on the basis of actual cash value.
You may choose payment on the basis of actual cash value initially. If you later decide to replace any destroyed or stolen property you may
make an additional claim for the difference between the actual cash value and replacement cost basis within 90 days after the date of loss.
Actual Cash Value
The Actual Cash Value will take into account such things as the cost of repairs or replacement less any depreciation, and in determining
depreciation we will consider the condition immediately before the occurrence, its resale value, and its normal life expectancy.
Loss of part of a set or pair of personal property
In the case of loss or damage to any article(s) which is (are) part of a set the amount of loss of or damage to such article(s) will be a
reasonable and fair proportion of the total value of the set, but in no event will such loss or damage be construed to mean total loss of the set.
Loss of parts of personal property
In the case of loss or damage to any part of the insured property consisting, when complete for use, of several parts, we will not pay for more
than the insured value of the part lost or damaged, including the cost of installation.
Section II - Liability Coverage

Each of these coverages in this section on your policy apply up to the amount shown on your Certificate of Insurance.
Personal Liability Coverage
This coverage insures the following:

Your legal liability, including while acting as a volunteer, to pay for compensatory damages for bodily injury or property damages which
happens anywhere in the world.
The legal costs of defending any action or legal proceedings against you alleging such legal liability. We reserve the right to select legal
counsel and to negotiate and settle any such action if we decide this would be appropriate.
Premiums for appeal bonds required in any insured lawsuit involving you and bonds to release any property that is being held as
security, up to the amount of insurance, but we are not obligated to apply for or provide these bonds.
Expenses which you have incurred for emergency medical treatment following an occurrence insured by this policy.
If the dwelling described on the Certificate of Insurance is not occupied as your principal residence, Personal Liability Coverage will be limited
to your legal liability arising out of your ownership, use, or occupancy of the land or premises listed on your Certificate of Insurance.
Voluntary Medical Payments
We will pay reasonable medical expenses incurred within one year of the date of the accident, if you unintentionally injure another person or if
they are accidentally injured on your premises. This coverage is available even though you are not legally liable. Medical expenses include
surgical, dental, hospital, nursing, ambulance service and funeral expenses.
The amount of insurance shown on your Certificate of Insurance is the maximum amount we will pay for each person in respect of one
accident or occurrence.
We will not pay:

cost recoverable from any medical, dental, surgical or hospitalization plan or law, or under any other insurance contract;
your medical expenses or those of persons residing with you, other than residence employees.
Voluntary Property Damage Payments
We will pay for unintentional direct damage you cause to property even though you are not legally liable. You may also use this coverage to
reimburse others for direct property damage caused intentionally by a person who is 12 years of age or under for whom you are the parent or
guardian.
We do not insure:
damage to property owned or rented by you or your tenant;
damage to property which is insured under Section I of this policy;
claims resulting from loss of use, disappearance or theft of property.
We will pay whichever is the lower amount of:

what it would cost to repair or replace the property with materials of similar quality at the time of loss;
the amount of insurance shown on your Certificate of Insurance.
We may pay for the loss in money or may repair or replace the property, and may settle any claim for loss of property either with you or the
owner of the property. We may take over any salvage if we wish.
Voluntary Residence Employee Payments
We offer to pay the benefits described below if your residence employee is injured or dies while working for you, even though you are not
legally liable for medical expenses including surgical, dental, hospital, nursing, ambulance service and funeral expenses.
If your residence employee or any person acting on their behalf does not accept these benefits or sues you, we may withdraw our offer, but
this will not affect your liability insurance.
We will not pay benefits for any hernia injury.
An employee who accepts these benefits must sign a release giving up any right to sue you, and if requested will submit to examination at our
expense by doctors we select. The employee must also authorize us to obtain medical information and other records.
We will not provide this coverage for cost recoverable from any medical, dental, surgical or hospitalization plan or law, or under any other
insurance contract.
What is Excluded?
We do not insure claims made against you arising from:

the ownership, operation or use of a watercraft or any equipment designed for attachment to a watercraft including watercraft that is
used for business or organized racing purposes. This exclusion does not apply to:
watercraft to which insurance has been specifically extended on your Certificate of Insurance;
watercraft that has been leased or borrowed; or
watercraft where the combined power is less than 50 horsepower and length is less than 8 meters (26 feet).
The above exceptions will never apply to watercraft that is used for business or organized racing purposes.
the ownership, operation or use of motorized vehicles, trailers attached to a plated motorized vehicle, drones and aircraft, or their
equipment, except household maintenance equipment such as lawn mowers (only under a rated engine of 25 horsepower) and snow
blowers on your premises, wheelchairs, bicycles, personal transporters, scooters and golf carts while in use on a golf course. Golf carts
that are in use off a golf course are covered if the golf cart is listed individually on your Certificate of Insurance;
the ownership, use or operation of any aircraft, premises used as an airport or landing facility, and all activities related to either;
business or farm pursuits or any business or farm operations except:
as specified in this policy or as declared on your Certificate of Insurance; or
the part-time business pursuits of an insured person under the age of 21 years, only when:
they are attending school, college, or university;
they are dependent on you for support; and
they are living on your premises.
the rendering or failure to render any professional service. This exclusion applies even if such services are performed by a volunteer;
liability imposed upon or assumed by you under any workers' compensation statute;
if you are a teacher, bodily injury to a student resulting from disciplinary action;
sexual, physical, psychological or emotional abuse, molestation or harassment, including corporal punishment by, at the direction of, or
with the knowledge of any person insured by this policy This includes the intentional or negligent failure of any person insured by this
policy to take steps to prevent sexual, physical, psychological or emotional abuse, molestation or harassment or corporal punishment;
bodily injury to anyone residing on your premises permanently, or on a regular basis for the purposes of attending school or work;
bodily injury or property damage caused by any intentional or criminal act or failure to act by;
any person insured by this policy; or
any other person at the direction of any person insured by this policy.
bodily injury to a fellow employee in the course of your business;
liability or damages arising out of your ownership, use, or occupancy of land or premises that is not listed on the Certificate of Insurance
for this policy. However, this exclusion does not apply to vacant land that is: not used for farming; located in Canada; owned or rented
by you; and 25 acres or less;
the erasure, destruction, corruption, misappropriation, misinterpretation of data, including the distribution or display of data in any form;
any cyber act or cyber incident;
any communicable disease;
any fungi, spores or bacteria, however caused, including any expenses incurred to assess or otherwise deal with or dispose of fungi,
spores or bacteria. This exclusion applies regardless of any other contributing cause that contributes concurrently or in any sequence to
the claim;
bodily injury or property damage which is required to be insured under a nuclear energy liability policy issued by the Nuclear Insurance
Association of Canada, or any other group or pool of insurers;
loss or damage caused directly or indirectly by contamination by radioactive material;
war, invasion, act of a foreign enemy, hostilities, civil war, rebellion, revolution, insurrection or military power;
terrorism. This exclusion applies regardless of any other contributing or aggravating cause or event that contributes concurrently or in
any sequence to the claim.
Section III - General Conditions

The conditions below are applicable to both Section I - Property Coverage and Section II - Liability Coverage, unless otherwise stated.
Action Against Us
Only the person(s) named on the Certificate of Insurance may take legal action against us.
Anti-Stacking Condition
If this policy, and any other policy or policies issued by Max Insurance Company or any of its parent, affiliated or subsidiary companies,
applies, in whole or in part, to the same accident or occurrence, the combined maximum limits of liability under all such policies will not exceed
the highest applicable limit of liability available under any one policy.
This condition applies:

notwithstanding any other provision in this policy;
only to Section II - Liability Coverage of this policy;
so long as at least one person or entity is insured under this policy and under such other policy or policies; and
regardless of the number or identity of the persons insured under this policy or such other policy or policies.
For the purposes of this clause only, 'other policy or policies' includes a policy of a different type (for example, a Homeowners All-Inclusive
Policy).
Declaration of Emergency
We will extend the expiry date of this policy if access to your residence described on the Certificate of Insurance is prohibited by civil authority.
This extension will apply until the prohibited access to your residence is no longer in effect plus an additional 30 days, but in no event shall the
total term of this extension exceed 120 days from the expiry date of this policy.
Inspections and Surveys
We have the right but are not obligated to make inspections and surveys at any time, give you reports on the conditions we find, and
recommend any changes.
Any inspections, surveys, reports or recommendations relate only to insurability and the premiums to be charged. We do not make safety
inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public.
And we do not warrant that conditions are safe or healthful, or comply with statutes, regulations, ordinances, directives, orders, codes or
standards.
This condition applies not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections,
surveys, reports or recommendations.
We waive no right and undertake no responsibility by reason of any such inspection, survey, report or recommendation or the omission
thereof.
Insurance Under More Than One Policy
If you have other insurance or contracts containing indemnification clauses which apply to a loss or claim or would have applied if this policy
did not exist, our policy will be considered excess insurance and we will not pay any loss or claim until the amount of such other insurance is
exhausted.
Notice to Authorities
Where loss or damage is, or is suspected to be, due to malicious acts, burglary, robbery, theft or attempted theft, you must give immediate
notice of such loss to the police or other law enforcement agency having jurisdiction.
Proof of Loss
After submission of the Proof of Loss in respect of a loss which may be insured under Section I each of you may be required separately to:
submit to examination under oath;
produce for examination all documents in your possession or control that relate to the application for insurance and Proof of Loss; and
permit extracts and copies of such documents to be made;
all at a reasonable place and time designated by us.
Subrogation
We will be entitled to assume all your rights of recovery against others and bring action in your name to enforce these rights when we make
payment or assume liability under this policy.
Your right to recover from us is not affected by any release from liability entered into by you prior to loss.
Statutory Conditions - British Columbia, Alberta, Saskatchewan, and Manitoba
1. Misrepresentation
If a person applying for insurance falsely describes the property to the prejudice of the insurer, or misrepresents or fraudulently omits to
communicate any circumstance that is material to be made known to the insurer in order to enable it to judge the risk to be undertaken, the
contract is void as to any property in relation to which the misrepresentation or omission is material.
2. Property of others
The insurer is not liable for loss or damage to property owned by a person other than the insured unless
a. otherwise specifically stated in the contract, or
b. the interest of the insured in that property is stated in the contract.
3. Change of interest
The insurer is liable for loss or damage occurring after an authorized assignment under the Bankruptcy and Insolvency Act (Canada) or a
change of title by succession, by operation of law or by death.
4. Material change in risk
1. The insured must promptly give notice in writing to the insurer or its agent of a change that is
a. material to the risk, and
b. within the control and knowledge of the insured.
2. If an insurer or its agent is not promptly notified of a change under subparagraph (1) of this condition, the contract is void as to the part
affected by the change.
3. If an insurer or its agent is notified of a change under subparagraph (1) of this condition, the insurer may
a. terminate the contract in accordance with Statutory Condition 5, or
b. notify the insured in writing that, if the insured desires the contract to continue in force, the insured must, within 15 days after
receipt of the notice, pay to the insurer an additional premium specified in the notice.
4. If the insured fails to pay an additional premium when required to do so under subparagraph (3) (b) of this condition, the contract is
terminated at that time and Statutory Condition 5 (2) (a) applies in respect of the unearned portion of the premium.
5. Termination of insurance
1. This contract may be terminated

a. by the insurer giving to the insured 15 days' notice of termination by registered mail or 5 days' written notice of termination
personally delivered, or
b. by the insured at any time on request.
2. If the contract is terminated by the insurer,
a. the insurer must refund the excess of premium actually paid by the insured over the prorated premium for the expired time, but in
no event may the prorated premium for the expired time be less than any minimum retained premium specified in the contract,
and
b. the refund must accompany the notice unless the premium is subject to adjustment or determination as to amount, in which case
the refund must be made as soon as practicable.
3. If the contract is terminated by the insured, the insurer must refund as soon as practicable the excess of premium actually paid by the
insured over the short rate premium for the expired time specified in the contract, but in no event may the short rate premium for the
expired time be less than any minimum retained premium specified in the contract.
4. The 15 day period referred to in subparagraph (1) (a) of this condition starts to run on the day the registered letter or notification of it is
delivered to the insured's postal address.
6. Requirements after loss
1. On the happening of any loss of or damage to insured property, the insured must, if the loss or damage is covered by the contract, in
addition to observing the requirements of Statutory Condition 9,
a. immediately give notice in writing to the insurer,
b. deliver as soon as practicable to the insurer a proof of loss in respect of the loss or damage to the insured property verified by
statutory declaration,
i. giving a complete inventory of that property and showing in detail quantities and cost of that property and particulars of the
amount of loss claimed,
ii. stating when and how the loss occurred, and if caused by fire or explosion due to ignition, how the fire or explosion
originated, so far as the insured knows or believes,
iii. stating that the loss did not occur through any wilful act or neglect or the procurement, means or connivance of the insured,
iv. stating the amount of other insurances and the names of other insurers,
v. stating the interest of the insured and of all others in that property with particulars of all liens, encumbrances and other
charges on that property,
vi. stating any changes in title, use, occupation, location, possession or exposure of the property since the contract was
issued, and
vii. stating the place where the insured property was at the time of loss,
c. if required by the insurer, give a complete inventory of undamaged property showing in detail quantities and cost of that property,
and
d. if required by the insurer and if practicable,
i. produce books of account and inventory lists,
ii. furnish invoices and other vouchers verified by statutory declaration, and
iii. furnish a copy of the written portion of any other relevant contract.
2. The evidence given, produced or furnished under subparagraph (1) (c) and (d) of this condition must not be considered proofs of loss
within the meaning of Statutory Conditions 12 and 13.
7. Fraud
Any fraud or wilfully false statement in a statutory declaration in relation to the particulars required under Statutory Condition 6 invalidates the
claim of the person who made the declaration.
8. Who may give notice and proof
Notice of loss under Statutory Condition 6 (1) (a) may be given and the proof of loss under Statutory Condition 6 (1) (b) may be made
a. by the agent of the insured, if
i. the insured is absent or unable to give the notice or make the proof, and
ii. the absence or inability is satisfactorily accounted for, or
b. by a person to whom any part of the insurance money is payable, if the insured refuses to do so or in the circumstances described in
clause (a) of this condition.
9. Salvage
1. In the event of loss or damage to insured property, the insured must take all reasonable steps to prevent further loss or damage to that
property and to prevent loss or damage to other property insured under the contract, including, if necessary, removing the property to
prevent loss or damage or further loss or damage to the property.
2. The insurer must contribute on a prorated basis towards any reasonable and proper expenses in connection with steps taken by the
insured under subparagraph (1) of this condition.
10. Entry, control, abandonment
After loss or damage to insured property, the insurer has

a. an immediate right of access and entry by accredited representatives sufficient to enable them to survey and examine the property, and
to make an estimate of the loss or damage, and
b. after the insured has secured the property, a further right of access and entry by accredited representatives sufficient to enable them to
appraise or estimate the loss or damage, but
i. without the insured's consent, the insurer is not entitled to the control or possession of the insured property, and
ii. without the insurer's consent, there can be no abandonment to it of the insured property.
11. In case of disagreement
1. In the event of disagreement as to the value of the insured property, the value of the property saved, the nature and extent of the
repairs or replacements required or, if made, their adequacy, or the amount of the loss or damage, those questions must be determined
using the applicable dispute resolution process set out in the Insurance Act, whether or not the insured's right to recover under the
contract is disputed, and independently of all other questions.
2. There is no right to a dispute resolution process under this condition until
a. a specific demand is made for it in writing, and
b. the proof of loss has been delivered to the insurer.
12. When loss payable
Unless the contract provides for a shorter period, the loss is payable within 60 days after the proof of loss is completed in accordance with
Statutory Condition 6 and delivered to the insurer.
13. Replacement
1. Unless a dispute resolution process has been initiated, the insurer, instead of making payment, may repair, rebuild or replace the
insured property lost or damaged, on giving written notice of its intention to do so within 30 days after receiving the proof of loss.
2. If the insurer gives notice under subparagraph (1) of this condition, the insurer must begin to repair, rebuild or replace the property
within 45 days after receiving the proof of loss, and must proceed with all due diligence to complete the work within a reasonable time.
14. Notice
1. Written notice to the insurer may be delivered at, or sent by registered mail to, the chief agency or head office of the insurer in the
province.
2. Written notice to the insured may be personally delivered at, or sent by registered mail addressed to, the insured's last known address
as provided to the insurer by the insured.
Statutory Conditions - Ontario
1. Misrepresentation
If a person applying for insurance falsely describes the property to the prejudice of the insurer, or misrepresents or fraudulently omits to
communicate any circumstance that is material to be made known to the insurer in order to enable it to judge of the risk to be undertaken, the
contract is void as to any property in relation to which the misrepresentation or omission is material.
2. Property of others
Unless otherwise specifically stated in the contract, the insurer is not liable for loss or damage to property owned by any person other than the
insured, unless the interest of the insured therein is stated in the contract.
3. Change of interest
The insurer is liable for loss or damage occurring after an authorized assignment under the Bankruptcy and Insolvency Act (Canada) or
change of title by succession, by operation of law, or by death.
4. Material change
Any change material to the risk and within the control and knowledge of the insured avoids the contract as to the part affected thereby, unless
the change is promptly notified in writing to the insurer or its local agent, and the insurer when so notified may return the unearned portion, if
any, of the premium paid and cancel the contract, or may notify the insured in writing that, if the insured desires the contract to continue in
force, the insured must, within fifteen days of the receipt of the notice, pay to the insurer an additional premium, and in default of such
payment the contract is no longer in force and the insurer shall return the unearned portion, if any, of the premium paid.
5. Termination
1. This contract may be terminated,

a. by the insurer giving to the insured fifteen days notice of termination by registered mail or five days written notice of termination
personally delivered or delivered by prepaid courier if there is a record by the person who delivered it that the notice has been
sent;
b. by the insured at any time on request.
2. Where this contract is terminated by the insurer,
a. the insurer shall refund the excess of premium actually paid by the insured over the proportionate premium for the expired time,
but, in no event, shall the proportionate premium for the expired time be deemed to be less than any minimum retained premium
specified; and
b. the refund shall accompany the notice unless the premium is subject to adjustment or determination as to amount, in which case
the refund shall be made as soon as practicable.
3. Where this contract is terminated by the insured, the insurer shall refund as soon as practicable the excess of premium actually paid by
the insured over the short rate premium for the expired time, but in no event shall the short rate premium for the expired time be deemed
to be less than any minimum retained premium specified.
4. The refund may be made by money, postal or express company money order or cheque payable at par.
5. The fifteen days mentioned in clause (1) (a) of this condition commences to run on the day following the receipt of the registered letter at
the post office to which it is addressed.
6. Requirements after loss
1. Upon the occurrence of any loss of or damage to the insured property, the insured shall, if the loss or damage is covered by the
contract, in addition to observing the requirements of conditions 9, 10 and 11,
a. forthwith give notice thereof in writing to the insurer;
b. deliver as soon as practicable to the insurer a proof of loss verified by a statutory declaration,
i. giving a complete inventory of the destroyed and damaged property and showing in detail quantities, costs, actual cash
value and particulars of amount of loss claimed,
ii. stating when and how the loss occurred, and if caused by fire or explosion due to ignition, how the fire or explosion
originated, so far as the insured knows or believes,
iii. stating that the loss did not occur through any wilful act or neglect or the procurement, means or connivance of the insured,
iv. showing the amount of other insurances and the names of other insurers,
v. showing the interest of the insured and of all others in the property with particulars of all liens, encumbrances and other
charges upon the property,
vi. showing any changes in title, use, occupation, location, possession or exposures of the property since the issue of the
contract,
vii. showing the place where the property insured was at the time of loss;
c. if required, give a complete inventory of undamaged property and showing in detail quantities, cost, actual cash value;
d. if required and if practicable, produce books of account, warehouse receipts and stock lists, and furnish invoices and other
vouchers verified by statutory declaration, and furnish a copy of the written portion of any other contract.
2. The evidence furnished under clauses (1) (c) and (d) of this condition shall not be considered proofs of loss within the meaning of
conditions 12 and 13.
7. Fraud
Any fraud or wilfully false statement in a statutory declaration in relation to any of the above particulars, vitiates the claim of the person making
the declaration.
8. Who may give notice and proof
Notice of loss may be given and proof of loss may be made by the agent of the insured named in the contract in case of absence or inability of
the insured to give the notice or make the proof, and absence or inability being satisfactorily accounted for, or in the like case, or if the insured
refuses to do so, by a person to whom any part of the insurance money is payable.
9. Salvage
1. The insured, in the event of any loss or damage to any property insured under the contract, shall take all reasonable steps to prevent
further damage to such property so damaged and to prevent damage to other property insured hereunder including, if necessary, its
removal to prevent damage or further damage thereto.
2. The insurer shall contribute proportionately towards any reasonable and proper expenses in connection with steps taken by the insured
and required under subcondition (1) of this condition according to the respective interests of the parties.
10. Entry, control, abandonment
After loss or damage to insured property, the insurer has an immediate right of access and entry by accredited agents sufficient to enable
them to survey and examine the property, and to make an estimate of the loss or damage, and, after the insured has secured the property, a
further right of access and entry sufficient to enable them to make appraisement or particular estimate of the loss or damage, but the insurer is
not entitled to the control or possession of the insured property, and without the consent of the insurer there can be no abandonment to it of
insured property.
11. Appraisal
In the event of disagreement as to the value of the property insured, the property saved or the amount of the loss, those questions shall be
determined by appraisal as provided under the Insurance Act before there can be any recovery under this contract whether the right to
recover on the contract is disputed or not, and independently of all other questions. There shall be no right to an appraisal until a specific
demand therefor is made in writing and until after proof of loss has been delivered.
12. When loss payable
The loss is payable within sixty days after completion of the proof of loss, unless the contract provides for a shorter period.
13. Replacement
1. The insurer, instead of making payment, may repair, rebuild, or replace the property damaged or lost, giving written notice of its
intention so to do within thirty days after receipt of the proofs of loss.
2. In that event the insurer shall commence to so repair, rebuild, or replace the property within forty-five days after receipt of the proofs of
loss, and shall thereafter proceed with all due diligence to the completion thereof.
14. Action
Every action or proceeding against the insurer for the recovery of a claim under or by virtue of this contract is absolutely barred unless
commenced within one year next after the loss or damage occurs.
15. Notice
1. Written notice may be given to the insurer in the following ways:

i. It may be personally delivered at the chief agency or head office of the insurer in the Province.
ii. It may be sent by registered mail to the chief agency or head office of the insurer in the Province.
iii. It may be delivered by electronic means. 2020, c. 36, Sched. 22, s. 3.
2. Written notice may be given to the insured named in the contract in the following ways:
i. It may be personally delivered.
ii. It may be delivered by prepaid courier to the latest address of the insured on the records of the insurer if there is a record by the
person who has delivered it that the notice has been sent.
iii. It may be sent by registered mail to the latest address of the insured on the records of the insurer.
iv. It may be delivered by electronic means, if the insured consents to delivery by electronic means. 2020, c. 36, Sched. 22, s. 3.
3. In this condition, the expression "registered" means registered in or outside Canada.

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Your Future is Safe With Us

Insurance Documents For:

Policy Location ID:

Scoop Insurance Brokers Ltd.

Named Insured Mailing Address Policy ID Statement Date

Policy Policy Location Address Policy Term Policy Payment Payment

Tenants GHOBEUXF 15 SHERBOURNE ST, 2024-04-27 2025-04-27 Monthly EFT

Here is your payment schedule as of 2024-04-03:

Due Date Premium Tax Service Fee Total Amount

2024-04-05 $50.17 $4.02 $2.00 $56.19

2024-06-27 $25.09 $2.01 $2.00 $29.10

2024-07-27 $25.09 $2.01 $2.00 $29.10

2024-08-27 $25.09 $2.01 $2.00 $29.10

2024-09-27 $25.09 $2.01 $2.00 $29.10

2024-10-27 $25.09 $2.01 $2.00 $29.10

2024-11-27 $25.09 $2.01 $2.00 $29.10

2024-12-27 $25.09 $2.01 $2.00 $29.10

2025-01-27 $25.09 $2.01 $2.00 $29.10

2025-02-27 $25.09 $2.01 $2.00 $29.10

2025-03-27 $25.02 $2.01 $2.00 $29.03

$301.00 $24.12 $22.00

Questions? Call your broker at 866-456-6620 TOTAL AMOUNT $347.12

Step 1: Choose Payment Frequency

One-Time Payment Re-Occurring Payments

Annual Payment** Quarterly Payment* Monthly Payment* Annual Payment

Step 2: Choose Payment Type

Credit Card or VISA/MC Debit Pre-Authorized Chequing

Policy Form - Tenants

Named Insured Mailing Address

Mary Elizabeth Cudizio 13-15 Sherbourne St, Orangeville, ON, L9W4N4

2024-04-27 2025-04-27* None Scoop Insurance Brokers Ltd.

Underwriting Information and Disclosures

The dwelling is not part of co-operative housing.

Sewer Backup and Overland Flood is quoted at full policy limit.

Loss Date Claim Type

Three ways to start a claim:

866-456-6620 877-770-7729 www.maxinsurance.ca

Contact your Broker Call Us 24/7 Submit Online

Dwelling Address: 15 SHERBOURNE ST, ORANGEVILLE, ON, L9W 4N4

Contents Limit Year Built Structure Storeys

$40,000 1987 Townhouse/Rowhouse 2

Structure Material Exterior Finish Has Basement/Crawlspace Square Feet

Frame Veneer - Brick, Stucco, Masonry, Stone True 850

Roof Material Roof Year Electrical Amps Septic Tank

Asphalt Shingles 2010 200 AMP False

Natural Gas 2010 None None

Mortgage Free Units Families

Coverage Deductible Limit Premium

Personal Property $1,000 $40,000 $301

Personal Liability $1,000 $2,000,000 Included

Dwelling Loss of Use $1,000 $12,000 Included

Overland Flood $1,000 Included Included

Sewer Backup $1,000 Included Included

Wind & Hail $1,000 Included Included

Water Service Line EXCLUDED

Voluntary Medical Payments $1,000 $5,000 Included

Voluntary Property Damage Payments $1,000 $5,000 Included

Coverage Deductible Limit Premium

Payment Method via Bank Withdrawal

Payment Method via Credit Card

Applicable to All Payment Methods

Section I - Property Coverage

Personal Property Coverage