Home Insurance

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In the world of insurance there is no doubt that the very best value is in home, condo & tenant insurance. Your home is likely one of the biggest investments of your life and one of your most valuable assets. You can protect your investment and your belongings from risks like fire, theft and vandalism with a home insurance policy from Tannas Insurance. Yet, surprisingly most people are grossly under-insured. With the success of the booming Alberta economy, housing values have risen dramatically. So have the building costs to replace your largest personal investment. Your policy limits have not kept pace with the rising costs experienced in the construction industry and may not be enough following a loss.

Your home is your palace. It’s meant to be your retreat from the rest of the world. And whether your home is your first, the one you always dreamed of having, or somewhere in between, we want to work with you to make sure that it, along with everything you’ve put into it, is protected for you and your family.
Give us a call or send us an email and we’ll talk about what you need to protect all your property.

Contact one of our Tannas Insurance representatives for more detailed information.

The following are some of the Home Insurance Coverages available:

Home Owners Insurance

Dwelling building coverage
Detached private structures limit is 15% of the dwelling amount
Personal property limit is 80% of the dwelling amount
Additional living expenses is 20% of the dwelling amount
Comprehensive personal liability limit: $1,000,000
Medical payments up to $5,000
Voluntary property damage up to $1,000
Outdoor trees, shrubs, plants and lawns up to 5% of the dwelling limit
Debris removal up to 5% of the dwelling limit
Single limit endorsement
Guaranteed replacement cost coverage

Condo Owners Insurance

Personal property coverage
Tenants improvements, betterments and alterations up to 100% of the personal property limit
Additional living expenses is 20% of the contents amount
Comprehensive personal liability limit: $1,000,000
Medical payments up to $5,000
Voluntary property damage up to $1,000
Loss assessment up to 250% of the personal property limit for property
Liability loss assessment: included
Condominium contingent insurance up to 250% of the contents limit
Debris removal up to 5% of the contents limit
Replacement cost coverage

Tenants Insurance

Personal property coverage
Additional living expenses is 20% of the contents amount
Comprehensive personal liability limit: $1,000,000
Medical payments up to $5,000
Voluntary property damage up to $1,000

The following limits apply for theft or mysterious disappearance losses:

Jewellery and furs up to $6,000 in all
Bicycles up to $1,000
Stamp collections up to $1,500
Coin collections up to $500
Comic book/card collections up to $1,500

Policy Highlights and Enhancements for Home Insurance, Tenants, and Condo Owners

The following are enhancements which are included in both coverage packages Broad Form and Comprehensive Form for Home Owners, Condominium Owners, and Tenants Policies.

Securities up to $5,000
Money or bullion up to $500
Watercraft and equipment up to $3,000
Motorized wheelchairs, power scooters that provide aid for walking
Power golf carts, liability included
Theft from an unlocked vehicle
Sewer back up (additional charge may apply in some provinces)
Spare automobile parts up to $1,000
Cemetery plot monuments up to $3,000
Home computer software: no limit
Silverware: no limit
Garden tractors/lawn mowers/snow blowers up to $10,000
Tapes, discs, records: no limit
Property of a student (living away from home temporarily): $10,000, liability included
Property of a parent in a nursing home up to $2,500, liability included
Books, tools, instruments, computer hardware and computer software pertaining to a business up to $5,000 but only while on the premises (limit may be increased)

Extensions of Coverage

Credit card coverage, forgery, counterfeit money and fund transfer cards up to $5,000
Lock replacement up to $1,000
Private power and light poles up to $5,000
Reward coverage up to $1,000
Safety deposit box up to $10,000
In transit coverage, to a new principal dwelling within Canada
Fire department charges up to $5,000
Home freezer coverage: $3,000
Inflation protection coverage

Talk to us about these other packages that we offer: