Have a question?

Home insurance

What is covered by my home insurance?

When you have home insurance with Onlia, you’re covered for almost any type of damage to your home. The building, its contents, alternate accommodation, and liability are all covered – this includes your possessions when you’re travelling anywhere in the world.

Pretty awesome, right? We cover these types of damage to your home:

• Fire
• Lightning
• Explosions
• Smoke
• Water damage
• Wind and hail
• Riot
• Vandalism
• Falling objects
• Damage caused by vehicles, like cars, aircraft, and watercraft. 

For secondary or seasonal homes, the same rules apply, but the coverage amount is a cash limit instead of a percentage based on the total value of the home.

Was this answer helpful?

Are my spouse/children/significant others covered?

Any children in your custody will be covered under your policy, along with any immediate family members who live with you.

Was this answer helpful?

Is my outdoor property covered?

Your coverage includes things like outdoor trees, plants, shrubs, lawns, permanently installed outdoor equipment, outdoor furniture, BBQ, and outdoor swimming pools.

Was this answer helpful?

Is my self-storage unit covered?

If you’ve stored items in a unit on the grounds of your condo building, then you’ll be covered for the contents up to your policy limits.

However, belongings in an off-site storage facility are only covered for a certain number of days, depending on your carrier – you’ll need to purchase insurance from the facility for coverage beyond that.

Was this answer helpful?

Does my home insurance cover identity theft?

If you or someone in your household is a victim of identity theft, your primary home insurance will cover the costs associated with recovering data and important documents.

Was this answer helpful?

What does my tenant insurance cover?

Your belongings will be protected if they’re ever stolen or damaged. You’ll also have liability coverage if a visitor is injured on the premises.

Was this answer helpful?

Is my roommate covered?

Your policy only covers your stuff, unless you added your roommate to your policy when you purchased it.

Was this answer helpful?

Am I covered if something gets stolen outside of my home?

Items that are temporarily away from your home anywhere in the world are covered up to a value with your standard coverage. 

Note that belongings in a storage facility are only covered for a certain number of days, depending on your carrier – you’ll need to purchase insurance from the facility for coverage beyond that.

Was this answer helpful?

I can't live in my home, and need alternative accommodation. Does my home insurance cover this?

If something happens to your home that’s covered under your policy and you can’t live in it for the duration of the claim process, we’ll pay for alternate accommodations and living expenses until it’s repaired or rebuilt. For landlords, it’s the loss of net rental income.

Note: This doesn’t apply to seasonal homes (e.g., your cottage).

Was this answer helpful?

Is my stuff covered when I'm travelling? (e.g. luggage)

Items that are temporarily away from your home anywhere in the world are covered by your home insurance policy. 

One less thing to worry about on your trip – what’s not to love?

Was this answer helpful?

Is business use at home covered?

Business use at home is covered as long as your home-based business is an approved office, sales, or crafts business. For example, an accounting firm, a barbershop, or a pottery studio.

Was this answer helpful?

Is legal assistance covered?

Your primary home insurance policy covers legal assistance. Contact us at 1-844-472-7901 and we’ll connect you with legal counsel specializing in your situation. We can point you in the right direction if you’re looking for advice regarding:

• Identity theft

• Consumer agreements

• Landlord and tenants

• Employment

• Real estate

• Criminal law

• Wills and estates

• Family law

• Civil litigation

• Immigration

• Taxation

Was this answer helpful?

Do I need extra coverage for valuables?

Depending on the what the high valued item is, we might be able to increase your coverage with some additional documents. Call us at 1 844-472-7905 to speak with a broker.

Was this answer helpful?

Does my home insurance cover flooding?

Our sewer backup coverage pays for damage caused to the storm drain, eavestrough, downspout, septic system or sump. This is optional coverage, but it’s included by default when you get a home insurance quote.

To find your policy limits, see your Confirmation of Property Insurance in your account, under Risks and Policies.

If you’re a property owner, water damage due to plumbing issues (like a burst pipe) falls under Home and Detached Structures coverage.

Was this answer helpful?

I'm renting out my home. Will I still be covered?

If you’ll be renting out your home, notify us and switch your coverage to a cottage and landlord policy. A cottage and landlord policy will protect your home if the actual structure is damaged.

Your policy won’t protect your tenants against liability or personal loss. Depending on where you live, you can make it a requirement that your tenant(s) have their own insurance to cover their belongings.

Was this answer helpful?

I'm a student away at school. Is my stuff covered?

When you’ve got insurance with us, you can keep your mind on your studies, and not on your stuff.

If you’re attending a school, university, or college and are temporarily away from home, your stuff will still be covered.

Was this answer helpful?

My home is under renovation. Is it still covered?

Renovations are definitely one of the circumstances that require you to update your home insurance policy. We offer a builders risk endorsement to be added to your policy. Before construction starts, call an Onlia insurance broker to review your renovation project and requirements for the best insurance solution.

Also call us if:

• You’ve started a home-based business
• Finished your basement or added a pool
• Your home is vacant or unoccupied for a period of time
• You’ve acquired some valuable belongings and would like to review your policy limits
• Any of your renovations are valued at over $10,000 – this would require a new evaluation on the property to make sure it’s properly insured to value

Was this answer helpful?

Do you cover wood stoves?

Your woodstove is covered, unless it is the primary source of heat for your home.

Was this answer helpful?

Will you cover damage to my roof?

We’ll cover losses to the roof of your dwelling, and detached private structures, based on the depreciated replacement cost, up to your policy limits.

Was this answer helpful?

Do you provide coverage for wind/hail storms?

We provide coverage for your home for windstorms or hail, including loss or damage caused by the weight of ice, snow, or sleet.

Was this answer helpful?

How long can I leave my house?

Whether you’re taking off for a weekend getaway or a week’s vacation before you leave, you always want to make sure:

• Doors and windows are shut and locked
• Gates to the backyard are closed
• All faucets and water sources are shut off
• Big electronic items are unplugged

If you’re gone for more than four (consecutive) days during a season when you would normally heat your home, insurance companies may not cover any loss or damage if any part of a plumbing, heating, or air conditioning system freezes.
Take the following precautions:

• Have someone you trust to visit your place to maintain the heating for each day you’re gone
• Shut off the water supply and drain all the pipes, as well as any domestic water containers”
• Have your heating system connected by a monitored alarm to a 24-hour service station
• Whenever you’re planning a trip, it’s best to double-check the terms of your policy to make sure you’ve got enough coverage.

Was this answer helpful?

Where can I find my coverage limits?

Your coverage details, limits, and policy documents can be conveniently viewed in your account. Simply log in and navigate to Risks and Policies, and select the policy you want to view details of.

Was this answer helpful?

What does my condo corporation cover?

Your condo corporation’s insurance policy only covers items that are originally part of the building and its common areas like walls, roofs, floors, elevators, swimming pools and any associated out buildings. That’s why it’s important to get condo insurance, which is designed to cover:

• Your personal liability, should someone hurt themselves while visiting your home
• Any investments you’ve made to upgrade the unit
• Your shared responsibility of common areas
• Your condo unit, in case your condo corporation’s insurance doesn’t cover your loss fully

Was this answer helpful?