The Sovereign General Insurance Company: Homeowners Coverage

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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

Coverage Extensions

Our Homeowners forms include the following coverage extensions:

replacement cost for your personal property
personal liability including personal injury and voluntary compensation for residence employees
reward coverage
mass evacuation
accidental death by fire
consequential loss
lock replacement
inflation protection
by-laws compliance coverage*

*not included in Named Perils form

Optional Coverage is available for:

single limit on your dwelling and personal property
guaranteed replacement cost on your dwelling
sewer backup
scheduled coverage for jewelry, sports equipment, cameras or other personal property
increased personal liability
earthquake
reduced glass breakage deductible
home-based business
hobby farms
travel trailer and camper units
rental and seasonal properties
watercraft
umbrella liability

Discounts you may be eligible for:

claims free
new home
age of insured
mortgage free
block watch
occupational
stability (if living at the same address for at least 3 years)
new business/renewal

Download the Sovereign Distinction Brochure (PDF Format - 1,304 Kb)

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The Community

Partners Making Wishes Come True

Sovereign has named the Children's Wish Foundation as its "charity of choice". Click here for details

www.childrenswish.ca

Sovereign Award

Every year since 1994, The Sovereign has provided a bursary in recognition of Superior Achievement in the Insurance and Risk Programme at the University of Calgary.