How You’re Protected With MIG

Personal Property Covers

When we think of contents, we often just think of furnishings. Add in the cost to replace all your clothing, electronics, bicycles, jewellery, and everything else of value. Your belongings will probably add up to more than you think, but having the right insurance in place can cover the cost of replacing it all.

Liability Coverage

One of the most important features of your property insurance is the liability coverage that follows you home and away. Should an accident occur that causes damage to someone else or a neighboring property, you are covered for repair and medical expenses. An accidental run in with a pedestrian while on your bike could result in injuries and a huge cost; your policy will pay for that and any other losses occurring from that event.

Living Expenses

If your space is not able to be occupied because of damage from a loss, living expenses coverage will cover the cost of alternative living arrangements, even the cost of meals while you get back on your feet.

Sewer, Water Damage and Flood Coverage

Do you know the difference between sewer backup, water seepage and flood coverage? What’s the value of your man or woman cave, home theater or personal gym in the below grade level of your property.
To help guide you through your coverage options, we have developed a clear and easy guide to water damage and a summary of how our company partners are developing products to help with overland flood concerns.

Policy wordings

At MIG, we do insurance differently. We write all our policy documents in language that’s easy to understand. Next, we personalize your policy documents to what you’ve bought. This way, you’ll know precisely what you’ve insured, the limits and the deductibles you’ve chosen, and the premiums you’ve paid. Lastly, you’ll understand what specific terms, conditions and exclusions apply.

Making a claim

When you buy property insurance, you always hope you never need to use it. In the event of damage to your property, we’re here to help get you back to normal as quickly as possible. Learn more about making a claim.

• 24/7 claim helpline so we’re there whenever you need us
• We’re here to help and guide you through each step
• Easily track each stage of your claim online
• We ensure that all claims are dealt with fairly, transparently and efficiently
• We keep you informed at each stage, giving you the opportunity to ask any questions you might have