a) The person named on the policy and those living in the same household;

b) Spouse or partner of the named insured

c) Relatives of either spouse/ partner

d) Any person under 21 in the care of the Named Insured

1.) Proof of marriage to the Named Insured.

2.) Proof of Common Law Marriage for a period of 3 years.

3.) Proof they are the natural or adoptive parent of a child, living with the Named Insured for a period of one year.

a) Dwelling and attached structures

b) Permanently installed outdoor equipment on the premises

c) Outdoor swimming pool and attached equipment on the premises

d) Materials/ supplies located on/ adjacent to premises, intended for use in construction, alteration or repair of dwelling or private structures.

Up to 5% of the insurance purchased for the "Dwelling Building" can be applied to outdoor trees, shrubs and plants on the premises, up to a maximum of $500 for any one tree, plant or shrub.

Exclusions: Wind/ hail.

1.) Insurance of contents of your dwelling and other personal property owned, worn or used while on premises. Can also include uninsured property of others while on premises occupied by insured.

2). Insurance of personal property temporarily away from premises.

3.) Insurance of personal property of any student insured, who is temporarily living away from premises for schooling purposes.            

1.) Motorized vehicles or their equipment

2.) Camper uits, truck caps, trailers or their equipment

3.) Aircraft or their equipment

4.) Tape decks and compact disc players

5.) Television sets

6.) Recording and transmitting equipment

Off Premises Coverage insures property when it is temporarily away from Insured's premises, anywhere in the world.

eg. Personal belongings taken on a European vacation.

1.) Those which apply to specific property items, regardless of the cause of loss.

Eg.Business property, securities, computer software.

2.) Those which apply to specified property items which have been stolen.

Eg. Jewellery, numismatic property, collectible cards, bicycles.            

1.) Additional Living Expense

2.) Fair Rental Value

Coverage applies when;

1.) Dwelling is damaged by an insured peril; and

2.) Damage is sufficient to make dwelling unfit for occupancy, or requires the insured's temporarily relocate while repairs are made.

1.) Section I - Property Coverages

• Coveage A - Dwelling Building
• Coverage B - Detached Private Structures
• Coverage C - Personal Property
• Coverage D - Additional Living Expense

2.) Section II - Liability Coverage

• Coverage E - Personal Liability
• Coverage F - Voluntary Medical Payments
• Coverage G - Voluntary Payment of Damage to Property
• Coverage H - Voluntary Compensation for Residence Employees

Coverage up to $2000 is provided for freezer food lost or damaged due to;

• Power failure
• Mechanical breakdown

Exclusions: spoilage due to;

• operation of circuit breakers or fuses;
• there is no coverage for spoilage of food;

And;

• accidental or intentional disconnnection of the power supply in building containing freezer

State the basis of settlement applicable to:

Personal Property;

State the basis of claim applicable to:

Dwelling Building & Detached Private Structures;

1.) For expenses incurred in disconnecting water & power.

2.) For Towing & transportation costs.

To avoid having a special assessment levied against them due to;

a) under insurance

b) large deductible

c) application of co-insurance penalty

d) cause of loss is not an insured peril or is specifically included under the Corporation's policy

e) breach of policy condition

This form provides the unit owner with loss assessment coverage in the amount of $5000.