House Insurance

Making sure you're covered is key to us

Remember the Kelowna forest fires in 2005? Of the 240 homes destroyed, all of them were underinsured: on average by 29% ($90,000 on a $300,000 home).

Many Lower Mainland homeowners are in a similar predicament: they just don’t know it. Rising construction costs have caused replacement costs to pass the insured value by a wide margin for many people. It’s why we at Westland work to educate our customers about the need to Insure to Value, even if it means looking “less competitive” in comparison to another insurer. To learn more about this issue, check out our Insure to Value background info.

For most people, their home is their single most valuable possession - and their biggest investment. Which is why we take the time up front to ensure you’ve got enough coverage to protect your house, your family and your belongings. Our risk and values assessment process is a key step in determining your needs.

Because at Westland, we know that not all home insurance policies are created equal. See how we stack up against our competitors’ standard home insurance policies or learn more about our high-value home insurance coverage.

Westland Key Features and Benefits

All Risk or Comprehensive Policy	We cover your dwelling and property for “all risks” not specific losses or “perils”.
Bylaws Coverage	We cover additional costs to bring your house up to current building standards in the event of a loss.
No Deductible For Losses Over $10,000
Temporary Relocation Costs Protection	We cover your expenses if you need to move out of your home as a result of an insured loss.
Increased Cost Protection On Home	We protect you in case the cost to repair or replace your dwelling increases during the policy term.
Replacement Cost - Contents	We pay Replacement Cost for your contents with no allowance for depreciation.
Off Premise Coverage- Contents	We insure your personal property while temporarily away from your premises.
Student Property	We insure a student’s personal property while at school.
Liberalization Clause	If we increase any coverage, you get that coverage automatically – at no extra charge!

top

Westland Home Insurance Comparison
Feature	Westland	Standard Competitor Policy
Personal Liability	$2 million included with base policy	$1 million or less included with base policy
Silverware	No limit	$25,000 or less
Personal computer hardware	No limit	$5,000 or less
Spoilage of food in refrigerator or freezer	No limit	$1,000 or less
Wine Spoilage	$1,000	Not Available
Gardening equipment	$25,000	$10,000 or less
Student Property	$5,000	$3,000 or less
Property in storage	$5,000	Not available. Must buy separate storage policy
Parent property	$2,500	Not available
Property in nursing home	$5,000	Not available
Credit/Debit Card Protection	$5,000	$5,000 or less
Lock replacement	$2,000	$1,000
Bicycles	$1,000. per item	$1,000 per item or less
Theft from Vehicle	No limit if in locked trunk	$3,000 or less
Jewelry	$5,000.	$5,000 or less

Legal Assist Program		N/A
Extended Care Facility Protection – Contents		N/A
Contents in Storage		N/A