While The Sovereign specializes in commercial property and casualty products, we maintain high quality personal lines products in certain areas. Our products are distributed exclusively through independent brokers with whom we work very closely to bring you the most up-to-date products available.

Our personal products include coverage for:

Homeowners

Protection for your home as well as your personal belongings. We offer several types of coverage for homeowners including:

  • Sovereign Distinction - A unique homeowners package designed for owners of high-valued property.
  • Comprehensive - Provides “All Risk” coverage for your dwelling and personal property
  • Broad - Provides “All Risk” coverage on your dwelling and “Named Perils” coverage for your personal property
  • Named Perils - Provides “Named Perils” coverage for your dwelling and personal property

Condominium Unit Owners

Specialized protection for your condominium unit. We offer several types of coverage for Condominium Unit Owners:

  • Sovereign Distinction - A unique Condominium Package designed for owners of high valued belongings.
  • Comprehensive - Provides “All Risk” coverage for your personal property.
  • Named Perils - Provides “Named Perils” coverage for your personal property.

Tenants

Protection for your personal belongings in a rented apartment, townhouse or dwelling. We offer two types of coverage for tenants:

  • Comprehensive - Provides “All Risk” coverage for your personal property
  • Named Perils - Provides “Named Perils” coverage for your personal property

Strata Duplex

Competitive rates for All Risk Building Coverage including Sewer Backup and By-Laws coverage.

Personal Umbrella Liability Coverage

Provides excess Personal Liability Coverage over and above required underlying Comprehensive Personal and Automobile Liability limits. Includes coverage for 2 private passenger automobiles maintained in Canada (including motorhomes) and 2 private residences in Canada.

Other Coverages

We can also provide coverage for rental properties, seasonal residences and watercraft. 

Please contact your broker for further details or, to locate a Sovereign Broker in your area, please click here.