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Blog
Not sure if your home insurance pays replacement cost or actual cash value? The difference can leave you thousands of dollars short at claim time. Here's what every Ontario homeowner needs to know about how your policy values damaged property — and which option makes sense for your home and budget.
Sewer backup insurance is an optional endorsement on Ontario home policies that covers damage when water backs up through drains or toilets. Standard coverage doesn't include this protection—learn what's covered, what it costs, and whether you need it.




















































