Home > Home Insurance > Types of Policies > Comprehensive

Home Insurance – Comprehensive Coverage

What is Comprehensive Home Insurance?

Comprehensive home insurance covers your building and other structures on your property, as well as your personal belongings from all risks, other than specific exclusions.

Buying a home is usually the largest purchase most of us will ever make. So it makes sense to want to protect it thoroughly with comprehensive home insurance, which as the name suggests gives you the most complete coverage against all risks or perils.

With comprehensive home insurance, in the event of a claim the onus of proof on the insurer to prove an exclusion, meaning that claims with indeterminate causes under all perils are often covered sooner and more comprehensively than other policies. This means more peace of mind for you.

What Does Comprehensive Home Insurance Cover?

Comprehensive home insurance protects your property from all risks (with the exception of standard exclusions).

Types of Home Insurance Compared
	Fire and Extended Coverages	Broad Form Coverage	Comprehensive Coverage
Dwelling Building	Named perils only	Yes	Yes
Additional Buildings	Named perils only	Yes	Yes
Contents	Named perils only	Named perils only	Yes
Additional Living Expenses	Yes	Yes	Yes
Personal Liability	Yes	Yes	Yes
Voluntary Medical Payments	Yes	Yes	Yes
Voluntary Medical Payments	Yes	Yes	Yes

Learn more about what's covered by homeowners insurance

Exclusions: What's Not Covered by Comprehensive Home Insurance?

There are two areas of risk not usually covered by any type of home insurance policy, which are:

1. Uninsurable Risks

If damage to your home is due to plumbing pipes freezing in winter, this is not covered or insurable since it is considered to be preventable with proper home maintenance. Other examples of uninsurable risks known as exclusions are:

Wear-and-tear
Intentional application of heat
Animal or insect damage
Pollution

2. Additional Coverage Options

Numerous options known as endorsements are available that allow you to extend your home insurance coverage to include situations or property not covered by a standard policy. The most frequently chosen endorsements include:

Our insurance experts would be happy to make sure you feel protected in your home, whichever type of home you live in, and whatever your lifestyle

Simply contact us at Mitchell & Whale Insurance Brokers at 1-800-731-2228 or email us at info@mitchellwhale.com. We’ll do the research and get quotes for your consideration.