Home Insurance Quote

Home Insurance Quote

Home Sweet Home

Your home is more than just a building; it holds the most important things in your life. It’s also likely to be one of your biggest investments, and one of your most valuable assets. Make sure that investment is protected with the right homeowner’s insurance policy.

Whether you keep your belongings outside in a garage, locked up in a shed, or inside the house, they are covered. Your homeowner policy also provides liability coverage in case someone gets hurt while in your home or if you unintentionally injure someone or damage their property. Our policies can also be customized to cover the replacement cost of your personal property as well as the guaranteed replacement cost of your home.

Identity Theft Expense Coverage
All of our homeowner insurance policies include identity theft expense coverage, which helps to cover you financially if your identity is stolen. Identity theft expense coverage comes with no additional premium, and any claim under this coverage will not affect your claims-free status.

Call 1-800-615-5897 for More Information

HOMEOWNER INSURANCE COVERAGE OPTIONS

We offer AMA members a choice of homeowner package policies:

• Exclusive

• Type of coverage:All Risk
• Package Description: Designed for homes over $400,000, it offers the same protection as Excel, but provides higher limits.
• Deductible: $1,000

• Excel

• Type of coverage:All Risk
• Package Description: Our best level of protection. It protects against all risks, except those listen as exclusions in your policy.
• Deductible: $1,000

• Essential

• Type of Coverage: Named Perils
• Package Description: Our most basic package. It offers protection for those perils listed in your policy
• Deductible: $1,000

CATEGORIES OF COVERAGE

BUILDING

• Minimum building coverage (replacement cost included)
• Minimum building coverage (actual cash value)
• Detached buildings
• Inflation protection
• Home replacement cost guarantee

• Exclusive

• $400,000
• Not available
• 20% of building limit
• Included
• Included

• Excel

• $100,000
• Not available
• 15% of building limit
• Included
• Included

• Essential

• $100,000
• $100,000
• 15% of building limit
• Included
• Not available

PERSONAL PROPERTY

• Personal property on premises (replacement cost included)
• Personal property temporarily off premises
• Personal property while moving anywhere in Canada
• Personal property of a student attending university or college away from home
• Credit card/counterfeit money
• Identity theft
• Food spoilage in your home freezer
• Lock replacement (if keys are stolen)
• Auto lock replacement or recoding (if keys are stolen)
• Property of family member in health care facility or nursing home
• Fire department charges
• By-laws coverage
• Outdoor trees, shrubs and plants
• Safety deposit box
• Funeral benefit

• Exclusive

• 75% of building limit
• Personal property limit
• 60 days or policy expiration date, whichever occurs first
• Personal property limit
• $25,000
• $20,000 per occurrence ($40,000 per policy term)
• Personal property limit
• $3,000
• $500
• 10% of personal property limit (up to $10,000)
• Personal property limit
• 10% of building limit
• 5% of building limit (up to $3,000 per plant)
• Personal property limit
• $5,000

• Excel

• 75% of building limit
• Personal property limit
• 30 days or policy expiration date, whichever occurs first
• $10,000
• $10,000
• $15,000 per occurrence ($30,000 per policy term)
• $3,000
• $1,000
• $500
• 10% of personal property limit (up to $10,000)
• Personal property limit
• 10% of building limit
• 5% of building limit (up to $1,500 per plant)
• $10,000
• $5,000

• Essential

• 75% of building limit
• 20% of personal property limit
• 30 days or policy expiration date, whichever occurs first
• $10,000
• $10,000
• $15,000 per occurrence ($30,000 per policy term)
• $1,500
• $1,000
• $500
• 10% of personal property limit (up to $10,000)
• Personal property limit
• 10% of building limit
• 5% of building limit (up to $750 per plant)
• $5,000
• $5,000

SPECIAL LIMITATIONS (HIGHER LIMITS MAY BE AVAILABLE FOR SOME ITEMS. CONTACT YOUR AGENT FOR MORE INFORMATION).

• Business-related books, tools and instruments (on premises)
• Jewellery, furs and watches
• Silverware
• Securities
• Money, bullion
• Collectible cards, comic books and memorabilia
• Numismatic property (coins)
• Philatelic property (stamps)
• Computer software
• Tapes and discs in vehicle
• Bicycles (limit per bike)
• Garden-type tractors
• Watercraft
• Utility trailers
• Animals, birds and fish
• Spare automobile parts

• Exclusive

• $10,000
• $15,000
• $20,000
• $10,000
• $1,000
• $5,000
• $5,000
• $5,000
• $5,000
• Personal property limit
• Personal property limit
• $20,000
• $6,000
• $2,000
• Personal property limit
• $1,000

• Excel

• $5,000
• $6,000
• $10,000
• $7,000
• $500
• $2,500 (up to $250 per item)
• $1,000
• $2,000
• $2,500
• $200
• $2,000
• $10,000
• $4,000
• Not available
• Personal property limit
• $1,000

• Essential

• $2,500
• $3,000
• $5,000
• $7,000
• $500
• $2,500 (up to $250 per item)
• $500
• $2,000
• $1,000
• $200
• $1,000
• $5,000
• $2,000
• Not available
• Personal property limit
• $1,000

ADDITIONAL LIVING EXPENSES

• Maximum amount available for additional living expenses

• Exclusive

• 25% of building limit

• Excel

• 20% of building limit

• Essential

• 20% of building limit

LIABILITY (WORLDWIDE COVERAGE)

• Legal liability limit
• Voluntary medical payments
• Voluntary payments for property damage

• Exclusive

• $1 – $2 million
• $10,000
• $1,000

• Excel

• $1 – $2 million
• $5,000
• $1,000

• Essential

• $1 – $2 million
• $5,000
• $1,000

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AMA home insurance products are available exclusively to AMA members. Not a member? 

This webpage contains information about coverages offered by AMA Insurance but is not intended to list all the conditions and exclusions that apply to described coverages. Complete provisions, exclusions, and limitations are set out in policy wording booklets, declarations, and other insurance documents.

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