Smart People. Smart Choice.

Make a claim 1-800-661-4404

Home is another word for family.

Your home and it’s contents may well be your most valuable asset and investment. Construction prices have increased considerably causing the replacement costs to surpass the insured value for many homeowners. That’s why it’s important to keep your policy up to date.

We can help. Our very own SMART Home Insurance coverage provides unlimited replacement protection for most homes and personal property, blanket coverage and $2 Million comprehensive personal liability coverage too!

And when your family’s needs change, students moving away for the school year still need protection for their personal belongings. Our SMART Home Insurance automatically covers $5,000 of student property while temporarily removed from your home, including those ‘must have’ items such as computers and laptops.

Protection, even when you’re away from home. Now that’s SMART!

  • HOME


  • Unlimited coverage
  • Sewer and water back up
  • Lock replacement
  • Bylaws available
  • 30 day vacancy
  • Students property/Business property
  • Jewelry riders
  • Earthquake coverage available with a variety of deductible options

Mobile Home:

  • Guaranteed replacement cost on units 15 yrs. of age or less
  • Personal property 75% of mobile home limit
  • Earthquake coverage available
  • Bylaw coverage available


  • Replacement cost available
  • Jewelry riders
  • Earthquake coverage available

Contents Coverage:

  • Contingent assessment
  • Improvements & betterments

For more information

Please contact us for more information, or for a more personal experience, come in to the
office to speak with one of our friendly and knowledgeable insurance specialists.
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