Whitby & Home Insurance: McCAM Has Your Back
Since the majority of home insurance companies in Whitby will exclude earthquake insurance in your policy you will not have coverage as a result of damage caused to your house from earthquakes. Discuss with your broker if this is an option worth adding to your insurance if this risk might be prevalent to you.
Home-based Business Coverage:
If you work from home once in a blue moon, this coverage will not be necessary. However if you are self-employed or often have clients come to your home, you may need to discuss with your broker about expanding your coverage to include home-based business related exposures. Your typically policy will not cover damages or losses to company property.
If you own a recreational vehicle such as a boat or other watercraft you may want to inquire about purchasing a watercraft insurance endorsement to protect these items. Your average home insurance policy will likely not include coverage for damage to these items so be sure to discuss with a broker about how you can go about protecting your vehicles.
Oftentimes water damage resulting from clogged sewer lines will not be included in your average Whitby home insurance policy but can be added for an additional cost. This endorsement may protect your home from losses as a result of water escape or rupture from septic system, sump pump, drain or sewer.