{"id":2973,"date":"2024-07-17T05:01:49","date_gmt":"2024-07-17T05:01:49","guid":{"rendered":"https:\/\/youset.ca\/?p=2973"},"modified":"2026-05-22T15:35:55","modified_gmt":"2026-05-22T15:35:55","slug":"what-does-home-insurance-cover","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/what-does-home-insurance-cover\/","title":{"rendered":"What Does Home Insurance Cover in Canada?"},"content":{"rendered":"\n

As a homeowner, you are likely well aware of the risks that come with owning a property, such as fires, thefts, natural disasters, and accidental injuries, as well as the substantial damage and financial losses these risks can potentially cause. <\/span><\/p>\n\n\n\n

Fortunately, <\/span>home insurance<\/span><\/a> can help protect you, your home, your belongings, and your financial interests against such things. <\/span> In fact, here\u2019s a list of what <\/span>home insurance covers and doesn’t cover<\/span><\/a> in Canada. <\/span><\/p>\n\n\n\n

While this list provides a general sense of what to expect, keep in mind that coverage details can vary from policy to policy. Therefore, you should always refer to your insurance documents or contact your insurance company\/broker directly for information about specific items or types of coverage.<\/span> <\/p>\n\n\n\n\t

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Key takeaways<\/p>\n\t\t\t\t\t\t\t\t\t\t

Home insurance protects your home, personal belongings, and liability against common risks like fire, theft, wind, and certain types of water damage. However, issues such as wear and tear, pests, or uncovered natural disasters are usually excluded. Coverage and limits vary by policy, so it\u2019s important to understand what\u2019s included (and what isn\u2019t) before you need to file a claim.<\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n

<\/span><\/p>\n\n\n\n\n\n\n\n

Bike theft<\/h2>\n\n\n\n

Yes, home insurance typically covers bike theft<\/a>. As your bike is considered a personal belonging, contents insurance will usually help pay to replace it if it is stolen from your property or while you\u2019re out in public. If your policy\u2019s coverage limit for bikes isn\u2019t sufficient and you want the full value of your bike covered, you can add it as a specific item on your policy. <\/span>\n\n <\/p>\n\n\n\n

Break-ins and theft<\/h2>\n\n\n\n

Yes, home insurance typically covers break-ins, theft, and burglaries. While it\u2019s no replacement for invaluable family heirlooms or keepsakes, home insurance can often help reimburse you for your stolen property, even if the theft occurs while you’re temporarily away from home, such as on a vacation.<\/span>\n\n <\/p>\n\n\n\n

Car theft or damage<\/h2>\n\n\n\n

No, home insurance typically does not cover car damage or theft. For that, you would rely on your <\/span>car insurance<\/span><\/a> policy. As for your belongings inside the car, the contents coverage included in your home insurance policy<\/a> might extend to them, however, you should always consult with your car insurance company first.<\/span>  <\/p>\n\n\n\n

Cash<\/h2>\n\n\n\n

Yes, home insurance may cover cash, but the coverage limit is often quite small. Typically, just a couple hundred dollars. <\/span>\n\n <\/p>\n\n\n\n

Contents<\/h2>\n\n\n\n

Yes, home insurance covers the contents of your home<\/a>, otherwise known as your personal property, since contents insurance is one of the standard coverages included in all home insurance policies in Canada. However, you should review your policy details to understand the extent of your coverage, as there will be limits on certain items and specific exclusions that may apply.<\/span>\n\n <\/p>\n\n\n\n

Chimney repairs<\/h2>\n\n\n\n

Yes, home insurance covers chimney repairs but typically only if the chimney is damaged or destroyed by a covered peril, such as a fire. If the damage is caused by wear and tear, neglect, poor construction, or defective materials, though, you would likely have to pay for the necessary repairs yourself. <\/span>  <\/p>\n\n\n\n

Damage caused by tenants<\/h2>\n\n\n\n

While home insurance may cover damage caused by tenants, landlord insurance is better suited to protect you as it is intended to specifically cover property damage caused by tenants, loss of rental income, and liability protection.<\/span>\n\n <\/p>\n\n\n\n

Dog bites<\/h2>\n\n\n\n

Yes, home insurance typically covers dog bites, however, if your dog has a history of biting or is a certain breed<\/a>, you may not be eligible for coverage. If you are eligible though, your liability coverage may help cover the cost of medical expenses, legal fees, and damages resulting from the incident, up to a certain amount. <\/span>\n\n <\/p>\n\n\n\n

Driveways<\/h2>\n\n\n\n

Yes, home insurance covers driveways but typically only if it\u2019s damaged or destroyed by a covered peril. So if the damage is due to wear and tear, poor installation, or a peril such as an earthquake for which you didn’t select additional coverage, you would likely have to pay to repair or replace it yourself. <\/span>\n\n <\/p>\n\n\n\n

Electrical issues<\/h2>\n\n\n\n

Yes, home insurance usually covers electrical issues caused by a specified peril, such as a fire, power, surge, or lightning strike. With that said, you should always confirm which perils are covered and any exclusions that may apply to electrical issues by carefully reviewing your policy documents.<\/span>\n\n <\/p>\n\n\n\n

Engagement rings and jewellery<\/h2>\n\n\n\n

Yes, home insurance typically covers engagement rings<\/a> and jewellery<\/a>. However, high-value items<\/a> often come with coverage limits, so if you want the full value of the item covered, you might need to add it as a specific item on your policy. <\/span>\n\n <\/p>\n\n\n\n

Fences<\/h2>\n\n\n\n

Yes, home insurance typically covers fences that are damaged or destroyed by unpredictable and unexpected perils. However, if the damage results from factors such as wear and tear, pet damage, or a dispute with your neighbour, you should assume you will be responsible for covering any repair or replacement costs.<\/span>\n\n <\/p>\n\n\n\n

Fire and smoke damage<\/h2>\n\n\n\n

Yes, home insurance typically covers fire<\/a> and smoke damage, unless you intentionally caused it. So long as it\u2019s deemed accidental, home insurance can help cover the costs to replace your damaged or destroyed belongings, as well as additional living expenses if your home is deemed uninhabitable, up to a certain amount that is listed in your policy. <\/span>\n\n <\/p>\n\n\n\n\t

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Get the best price on homeowners insurance year-after-year<\/h3>\n\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\tGet a quote<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n

Foundations<\/h2>\n\n\n\n

Yes, home insurance covers your foundation, however, it usually only applies if a covered peril damages or destroys it. This means that if it\u2019s damaged due to poor maintenance, defective materials, or a peril such as an earthquake for which you didn’t opt for additional coverage, insurance will likely not cover the damages.<\/span>\n\n <\/p>\n\n\n\n

Gas leaks<\/h2>\n\n\n\n

Yes, home insurance can cover the damages caused by a gas leak, but it depends on the specifics of your policy and the cause of the leak. This is why it\u2019s important to fully understand the terms of your policy and any exclusions that may apply to ensure you have adequate coverage in the event of a gas-related incident.<\/span>\n\n <\/p>\n\n\n\n

Hail damage<\/h2>\n\n\n\n

Yes, hail damage is covered by home insurance, so long as hail is listed as a covered peril in your policy. If so, you may be able to file a claim to get reimbursed for the damages caused by hailstorms. <\/span>\n\n <\/p>\n\n\n\n

Hotel stays<\/h2>\n\n\n\n

Yes, home insurance will cover a hotel stay if your home becomes uninhabitable due to a covered peril. This is called additional living expenses coverage<\/a> and it\u2019s one of the standard coverages that are included in home insurance policies in Canada. <\/span>\n\n <\/p>\n\n\n\n

HVAC units<\/h2>\n\n\n\n

Yes, home insurance covers HVAC (heating, ventilation, and air conditioning) units but usually only if a covered peril damages or destroys it. Damage caused by wear and tear, negligence, or improper installation on the other hand, is not covered. <\/span>\n\n <\/p>\n\n\n\n

Ice and snow<\/h2>\n\n\n\n

Yes, damage caused by the weight of ice and snow will be covered by home insurance, so long as it is listed as a covered peril in your policy. With that said, you should always confirm your coverage limits and exclusions by carefully reviewing your policy documents.<\/span>\n\n <\/p>\n\n\n\n

Identity theft<\/h2>\n\n\n\n

Yes, home insurance can cover identity theft<\/a>, but it’s not automatically included. It’s an optional coverage that you need to add to your policy to be covered. <\/span>\n\n <\/p>\n\n\n\n

Lost luggage<\/h2>\n\n\n\n

Yes, home insurance typically covers luggage when you’re temporarily away from home against perils such as theft. This is because luggage is considered personal property and is therefore covered by contents insurance.<\/span> <\/p>\n\n\n\n

Mold<\/h2>\n\n\n\n

Yes, home insurance may cover mold<\/a> if the damage occurs suddenly as a result of a covered peril, such as water damage or a flood. Otherwise, insurance companies will often consider it a maintenance issue and will not cover the damage. <\/span>\n\n <\/p>\n\n\n\n

Natural disasters<\/h2>\n\n\n\n

Yes, home insurance covers natural disasters such as earthquakes, forest fires<\/a>, and floods, but only if these perils are explicitly named in your policy. Therefore, if you live in an area at risk for a specific type of natural disaster, you might consider adding the necessary coverage.<\/span>\n\n <\/p>\n\n\n\n

Normal wear and tear<\/h2>\n\n\n\n

No, home insurance doesn’t cover normal wear and tear because it isn’t caused by an unpredictable or unexpected event. Instead, wear and tear happens gradually over time due to regular use and aging, making it both predictable and expected.<\/span>\n\n <\/p>\n\n\n\n

Permanent fixtures<\/h2>\n\n\n\n

Yes, home insurance typically covers permanent fixtures such as kitchen cabinets, ceiling fans, and lighting fixtures, as they are considered part of the structure of your home. However, for dwelling coverage<\/a> to take effect, the damage to these fixtures must usually be a result of a covered peril.<\/span> \u00a0<\/p>\n\n\n\n

Personal injury<\/h2>\n\n\n\n

In Canada, liability coverage<\/a> is included as a standard feature in all home insurance policies. So yes, if someone gets injured on your property, your home insurance will likely cover the associated medical and legal costs.<\/span>\n\n <\/p>\n\n\n\n

Pest and wildlife damage<\/h2>\n\n\n\n

No, home insurance does not cover pest and wildlife damage. This is because insurance companies will often consider damage caused by animals, including mice, insects, raccoons, birds, bats, snakes, or squirrels, a maintenance issue.<\/span>\n\n <\/p>\n\n\n\n

Pools and hot tubs<\/h2>\n\n\n\n

Yes, home insurance may cover pools and hot tubs under certain circumstances. For instance, in-ground pools are often considered part of your home\u2019s structure, so they might be protected against covered perils by dwelling coverage. Meanwhile, above-ground pools and hot tubs are often classified as personal property, meaning your contents insurance may be used to cover their repair or replacement.<\/span>\n\n <\/p>\n\n\n\n

Renovations<\/h2>\n\n\n\n

No, home insurance typically does not cover the cost of renovations themselves. However, it does provide liability coverage to protect you against potential injuries that may occur in your home during a renovation.<\/span>\n\n <\/p>\n\n\n\n

Roofs<\/h2>\n\n\n\n

Yes, home insurance covers your roof, but typically only if it\u2019s damaged or destroyed by a covered peril. So if the damage is due to wear and tear, negligence, poor maintenance, or a peril such as an earthquake for which you didn’t select additional coverage, you would likely have to pay to repair or replace it yourself. <\/span>  <\/p>\n\n\n\n

Septic tanks<\/h2>\n\n\n\n

Yes, home insurance may cover your septic tank<\/a> if it\u2019s damaged or destroyed by a covered peril. So if the damage is due to wear and tear, negligence, poor maintenance, or a peril such as an earthquake for which you didn’t select additional coverage, you would likely have to pay to repair or replace it yourself. <\/span>\n\n <\/p>\n\n\n\n

Storage units<\/h2>\n\n\n\n

Yes, if it\u2019s specified in your policy, home insurance can cover personal belongings located in a storage unit against covered perils, such as fire or theft. <\/span>\n\n <\/p>\n\n\n\n

Structural damage<\/h2>\n\n\n\n

Yes, home insurance usually covers structural damage made to your home by the elements, be it fire, water, snow, or wind. So, if your porch gets damaged by tree branches during a particularly strong storm, then your home insurance would most likely cover the repairs.<\/span>\n\n <\/p>\n\n\n\n

Trees<\/h2>\n\n\n\n

Yes, home insurance may provide coverage for the removal of trees and any resulting damage to your home or other structures on your property, if a covered peril causes it. However, if a tree on your property falls due to a lack of maintenance or because it is diseased, you should assume you will be responsible for covering any cleanup or repair costs.<\/span>\n\n <\/p>\n\n\n\n

Vandalism<\/h2>\n\n\n\n

Yes, home insurance typically covers vandalism, whether it affects the structure of your home, personal belongings, or other structures on your property. With that said, you should always confirm your coverage limits and exclusions by carefully reviewing your policy documents.<\/span>\n\n <\/p>\n\n\n\n

Water damage<\/h2>\n\n\n\n

Yes, home insurance typically covers water damage<\/a> caused by unpredictable and unexpected perils like burst pipes, plumbing leaks, appliance malfunctions, or accidental overflow. However, not all types of water damage are covered. For details regarding your specific policy, check your policy documents. <\/span>\n\n <\/p>\n\n\n\n

Wind damage<\/h2>\n\n\n\n

Yes, wind damage is covered by home insurance, so long as it\u2019s listed as a covered peril in your policy. If so, you may be able to file a claim to get reimbursed for the damages caused by strong winds. <\/span>\n\n <\/p>\n\n\n\n

Windows<\/h2>\n\n\n\n

Yes, since your windows are considered part of the structure of your home, they are covered by home insurance against the listed perils in your policy. With that said, you should always confirm your coverage limits and exclusions by carefully reviewing your policy documents.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

As a homeowner, you are likely well aware of the risks that come with owning a property, such as fires, thefts, natural disasters, and accidental injuries, as well as the substantial damage and financial losses these risks can potentially cause. Fortunately, home insurance can help protect you, your home, your…<\/p>\n","protected":false},"author":11,"featured_media":6112,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[453],"tags":[],"class_list":["post-2973","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-insurance"],"acf":[],"yoast_head":"\nWhat Does Home Insurance Cover in Canada? - YouSet<\/title>\n<meta name=\"description\" content=\"Wondering what home insurance does and does not cover in Canada? 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