my home - The Standard Insurance Brokers Novex Assistance ¢® As a Novex Group Insurance customer, you

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  • Certain conditions, restrictions and exclusions apply to all offers. The information highlighted here is only an overview. Refer to your policy wording for specific limits which apply to each coverage and for complete coverage terms or contact your insurance broker or representative for more information. Legal information services are provided by an unrelated third party. ™LifestageCare is a trademark of TakingCare Inc., used here under license. ®Novex Group Insurance Design and Novex Assistance are registered trademarks of Novex Insurance Company. ®my home, my name, Rely Network and my home & auto are registered trademarks of Intact Insurance Company used under license. ®Intact Design is a trademark of Intact Financial Corporation used under license. ©2009, 2011, 2012, 2014 Novex Insurance Company. All rights reserved.

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    my home®

    You’ve put a lot into your home,

    creating the security it represents for

    your family.

    Novex Insurance Company is a member of the Intact Financial Corporation group of companies, Canada’s largest home, auto and business insurance provider, which protects millions of customers across the country. By choosing Novex, you have the support of a company dedicated to protecting the things you care about.

    Our promise to you

    It’s simple, easy, not complicated at all. We’re here to do our very best to protect the things you care about.

    By choosing Novex, you have the support of an industry leader and financially strong and stable Canadian-owned company.

    We are a member of the Intact Financial Corporation group of companies which protects millions of customers through home, auto and business insurance.

    Together with your insurance broker or representative, we provide the outstanding service, comfort and continuity you deserve.

    intact.ca/group-insurance

    GUARANTEED. An unforeseen event can happen anytime, and when it does, you need help fast. Your insurance broker or representative is the first person you should turn to. You can also call our 24/7 claims service 1 866 464 2424.

    We’ll promptly connect you to a Novex Group Insurance representative, who can:

    • Provide information on what to do, and help you make decisions

    • Provide emergency support • Contact suppliers you can trust for repairs • Approve expenses, such as hotel accommodations,

    clothing, transportation, etc.

    When you call to report a new claim, we promise that within 30 minutes you’ll be talking to a Novex representative or we’ll write a cheque to you for the amount of your annual premium up to a maximum of $1,000.*

    That’s our Claims Service Guarantee.

    Rely Network®

    When you have a claim, we know you want priority service and quality repairs. To ensure this, our Rely Network is a carefully selected group of property restoration contractors and auto repair shops. What’s more, the repairs are guaranteed for as long as you own your home or car.

    Novex Assistance®

    As a Novex Group Insurance customer, you have an extra layer of support that goes beyond your policy. Novex Assistance provides Legal Information Service and Family Care Assistance with your Novex policy at no extra charge.

    Additionally, our online referral service offered through LifeStageCare™ can help you find service providers close to home for:

    • Child care, support services for children and teens • Personal wellness services • Home, residential and community care for seniors

    To learn more about taking advantage of Novex Assistance, visit us online at intact.ca/group-insurance or call 1 888 365 ASSIST (2774).

    * Certain conditions and restrictions apply. For further details, please contact your insurance broker or representative.

    We are here when you need us

    Underwritten by Novex Insurance Company.

  • Certain conditions, restrictions and exclusions apply to all offers. The information highlighted here is only an overview. Refer to your policy wording for specific limits which apply to each coverage and for complete coverage terms or contact your insurance broker or representative for more information. Legal information services are provided by an unrelated third party. ™LifestageCare is a trademark of TakingCare Inc., used here under license. ®Novex Group Insurance Design and Novex Assistance are registered trademarks of Novex Insurance Company. ®my home, my name, Rely Network and my home & auto are registered trademarks of Intact Insurance Company used under license. ®Intact Design is a trademark of Intact Financial Corporation used under license. ©2009, 2011, 2012, 2014 Novex Insurance Company. All rights reserved.

    3 4

    4 2

    0 8

    /1 4

    my home®

    You’ve put a lot into your home,

    creating the security it represents for

    your family.

    Novex Insurance Company is a member of the Intact Financial Corporation group of companies, Canada’s largest home, auto and business insurance provider, which protects millions of customers across the country. By choosing Novex, you have the support of a company dedicated to protecting the things you care about.

    Our promise to you

    It’s simple, easy, not complicated at all. We’re here to do our very best to protect the things you care about.

    By choosing Novex, you have the support of an industry leader and financially strong and stable Canadian-owned company.

    We are a member of the Intact Financial Corporation group of companies which protects millions of customers through home, auto and business insurance.

    Together with your insurance broker or representative, we provide the outstanding service, comfort and continuity you deserve.

    intact.ca/group-insurance

    GUARANTEED. An unforeseen event can happen anytime, and when it does, you need help fast. Your insurance broker or representative is the first person you should turn to. You can also call our 24/7 claims service 1 866 464 2424.

    We’ll promptly connect you to a Novex Group Insurance representative, who can:

    • Provide information on what to do, and help you make decisions

    • Provide emergency support • Contact suppliers you can trust for repairs • Approve expenses, such as hotel accommodations,

    clothing, transportation, etc.

    When you call to report a new claim, we promise that within 30 minutes you’ll be talking to a Novex representative or we’ll write a cheque to you for the amount of your annual premium up to a maximum of $1,000.*

    That’s our Claims Service Guarantee.

    Rely Network®

    When you have a claim, we know you want priority service and quality repairs. To ensure this, our Rely Network is a carefully selected group of property restoration contractors and auto repair shops. What’s more, the repairs are guaranteed for as long as you own your home or car.

    Novex Assistance®

    As a Novex Group Insurance customer, you have an extra layer of support that goes beyond your policy. Novex Assistance provides Legal Information Service and Family Care Assistance with your Novex policy at no extra charge.

    Additionally, our online referral service offered through LifeStageCare™ can help you find service providers close to home for:

    • Child care, support services for children and teens • Personal wellness services • Home, residential and community care for seniors

    To learn more about taking advantage of Novex Assistance, visit us online at intact.ca/group-insurance or call 1 888 365 ASSIST (2774).

    * Certain conditions and restrictions apply. For further details, please contact your insurance broker or representative.

    We are here when you need us

    Underwritten by Novex Insurance Company.

  • 3442 (08/14) Novex Insurance Company

    Homeowners Comprehensive Form

    How to read your policy

    Your policy is written in language designed to make it easier for you to understand your insurance protection. This policy is a legal contract between you and us.

    It consists of: ► The coverage summary page(s) ► The policy form contained in this booklet ► Optional forms and endorsements contained in this booklet or attached but only

    those shown on the coverage summary page apply ► The Statutory Conditions which apply to all forms and are required by provincial law ► The Standard Mortgage Clause which applies where there is a mortgagee shown on

    the coverage summary page

    This policy form consists of four sections:

    SECTION I – PROPERTY COVERAGES describes the insurance on your dwelling and personal property. It also includes additional living expenses and/or fair rental value. SECTION II – PERSONAL LIABILITY PROTECTION describes the insurance for your legal liability for bodily injury to others or damage to property of others arising out of your premises or your personal actions. It also includes benefits following injury or damage to property of others. SECTION III – ADDITIONAL COVERAGES AND ADDITIONAL COVERAGE OPTIONS describes additional and optional coverages.

    SECTION IV – CONDITIONS describes conditions required by provincial law on property policies.

    In addition, this policy booklet includes the following sections that address your privacy and your rights and responsibilities as a consumer:

    OUR PRIVACY PROMISE

    CODE OF CONSUMER RIGHTS AND RESPONSIBILITIES

    IF WE BROADEN COVERAGE WHILE THE POLICY IS IN EFFECT, YOU WILL RECEIVE THE BENEFIT OF THE INCREASED COVERAGE AT NO ADDITIONAL CHA