Insurance - Home
1. A tenant's personal effects - furniture, clothing, jewellery - are not covered under a landlord's policy.
2. While a personal home insurance policy may be considered to be "comprehensive", it does not cover all risks.
3. Damage resulting from freezing is covered only within the home.
4. There is no coverage for goods in storage or jewellery replacement unless the insurance company is advised and a separate charge made.
5. There are certain perils against which insurance companies cannot reasonably insure, such as war, injury intentionally caused by the policy owner or his family, and wear and tear.
6. If the policy owner plans to leave the premises vacant for more than 30 days, the company must be advised, or claims can be denied.
7. An insurance policy is not a maintenance contract.
8. Policies normally cover personal liability for negligent acts of the policy owner.
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