Ontario home insurance checklist

• Confirm your dwelling limit reflects the cost to rebuild, not the market value
• Know whether your policy is comprehensive or named perils
• Check for sewer backup coverage and its limit
• Check for overland water coverage
• List renovations and updates to the roof, plumbing, electrical and heating
• Schedule valuables such as jewellery, watches and art
• Tell your insurer about any basement apartment, rental unit or home business
• Check additional living expense limits
• Review your personal liability limit
• Note water protection devices, such as a backwater valve, sump pump or leak sensors
• Confirm your deductible amount and how much water damage deductibles are
• Take a video inventory of your belongings and store it in the cloud

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