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 Here are some of the more common limits you may find

• $1,000 on Jewellery, watches, furs, precious/semi-precious stones

• $2,500 on silverware, silver-plated, gold ware, gold/silver plated trophy's, etc.

• $200 on money, bank notes, bullion, gold/silver, platinum, coins, and medals.

• $2,500 on Firearms

• $1,000 on securities, accounts, deeds, manuscripts, passports, stocks, stamps etc.

• Collectibles

• Property in home used for business purposes

• $1,000 on watercraft, including trailers, furnishings, equipment & outboard motors

• $1,000 trailers not used for watercraft

Think about Flood and Earthquake damage. These detesters  are not normally covered under a standard homeowners insurance policy and if you feel this cover is necessary, you may need an additional policy.

When choosing a homeowners insurance policy its important to know what it covers and what it doesn't. An "All Risk" policy (the standard),  will cover all and any losses which occur to your home unless it's excluded on the policy. A" Named Peril" policy is just that, it only covers losses to those perils listed on the policy.

A deductible is, simply put,  self-insuring. A deductible is the amount you decide you will be responsible for in a claim. For example, if your total claim for  damages is $2,000, and  you decided to carry a $500 deductible, you have chosen to carry $500 dollars of the financial burden to repair the damage, while the insurance company covers the remaining $1,500.

Perils are simply the entity that caused you or your property damage. Perils are usually Acts of God such as lightening hitting your home, wind, snow, etc, but they may also be human errors. A standard homeowners insurance policy has a group of perils it covers. Any perils not listed can be covered by adding on an Endorsement, for example Flood or Earthquake coverage as mentioned above.

Certain perils or risks are excluded from all standard homeowner insurance policy's for two basic reasons: they can be covered better under a different insurance product, or they are not warranted for particular reasons (temptation of fraud, despair, natural change etc.).

• Wear & Tear

• Deterioration

• Rust

• Mould

• Wet or dry rot

• Contamination

• Smog

• Smoke from industrial or agricultural operations

• Mechanical breakdown

• Settling, cracking, shrinkage, bulging, or expansion of pavement, patios foundations, walls, roof, floors or ceilings.

• Damage by birds, insects, vermin, or domestic animals.

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