- Loss or damage to a policyholder’s home and belongings caused by the actual shaking of the earth
- Additional living expenses should your home be damaged while it’s being repaired
- Deductibles can be as low as $2,500
Home Insurance
Keep your home, family and personal possessions secure. Choose from a variety of options with peace of mind features and options.
Home insurance options
Residential Insurance
Condo Insurance
Tenant Insurance
Seasonal Insurance
Residential Insurance
Keep your home, your family and your personal possessions secure. Choose from a variety of homeowners' insurance options.
What's covered:
- Replacement cost on buildings and personal belongings
- Sewer back-up and water escape coverage
- Personal liability
- Voluntary medical payments and property damage
- Comprehensive or “all risk” coverage
Condo Insurance
Protect yourself from significant expenses not covered by your condominium association's insurance. A wall-to-wall policy will cover burglary, water damage or injury to a visitor.
What's covered:
- Replacement cost coverage on your personal belongings
- Improvements and betterments coverage
- Personal liability
- Loss assessment and loss of use coverage
- Strata deductible assessment coverage
Tenant Insurance
Get the protection you need with a tenant's package policy to cover concerns like loss or damage to your personal possessions and personal liability insurance.
What's covered:
- Replacement cost coverage on personal property
- Comprehensive or “all risk” coverage
- Sewer back-up and water escape coverage
- Personal liability
- Loss of use coverage
Seasonal Insurance
We recognize that seasonal properties are diverse – some cabins have no power, heat, or water and some are million dollar homes; regardless of your situation, at Northern Savings Insurance Services, we can provide the coverage that fits your unique property.
Items covered within home insurance policies:
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Earthquake Insurance
Earthquake insurance covers property and content loss or damage caused caused by an earthquake; this insurance is essential in financially protecting your home should disaster strike.
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Earthquake insurance coverage:
Overland & Ground Water Insurance
Water damage has become the biggest cause of home insurance claims. Minimize your risk and protect your home and belongings with overland and ground water insurance.
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Overland water coverage includes:
- Flood caused by overflow of body of freshwater
- Surface water build-up (non-salt water) which accumulates upon or submerges on dryland resulting from torrential rainfall, rapid snow melt, spring runoff or the rising of breaking out or overflow of freshwater lakes, rivers or watercourse - whether natural or man-made
- Service lines (water and sewage) - backing up, overflow or escape of water/waste through inside drains, sump and other plumbing fixtures and systems on the premise
Ground water coverage includes:
- Water in the soil beneath the surface of the ground, including but not limited to: well water, underground streams, cisterns, percolating waters
- Sudden accidental entrance of ground waters into a dwelling or detached private building through basement walls, foundations, or floors (some coverage includes window wells)
- Sudden rising of the water table
Make a claim
In the event of an emergency, you can report a claim directly to your insurer.
Auto insurance
We will help ensure you're protected with the coverages you'll need through Autoplan.
Travel insurance
Explore additional coverages you may not have thought about for those one-off occasions.
Identity Theft
Identity theft is the deliberate and illegal use of someone else's identity, usually as a method to gain financial advantage, credit information or benefits in the other person's name.
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Cyber Insurance
Both individuals and businesses can be targeted in identity theft. Victims may experience a drop in credit rating, an altered reputation and financial loss.
Northern Savings Insurance Services can help protect you from fraud loss; our Identity Theft Insurance offerings provide up to $30,000* in personal coverage.
*Part of a home insurance package
