Home coverage

At Unica Insurance, we understand that your home and personal belongings are more than just assets—they’re a reflection of your hard work and lifestyle.

That’s why we offer tailored personal property insurance solutions designed to deliver peace of mind and unmatched protection.

Family unloading moving boxes from a car in front of their new home, symbolizing a fresh start and the joys of relocation.
Modern two-story house with a blue shingle roof and stone accents, featuring a dark gray garage door and well-maintained landscaping. The facade showcases a combination of materials, with large windows allowing natural light.
Family entering a home with a dog, showcasing a warm and welcoming atmosphere. The group includes four people, with one child holding a leash, and everyone is smiling and engaged. Natural light streams in through the open door, highlighting the modern interior design.

What sets Unica apart?

Best-in-class claims service

We prioritize contacting claimants and assigning adjusters within 2 hours of receiving a claim. This leads to consistently high satisfaction ratings in post-claim surveys.

Choice in settlements

Unlike many insurance companies, you are not required to repair or replace items in the event of a covered loss. With LIVEasy®, you can decide to receive the cash equivalent of repairing or replacing your personal property (whichever applies) without any deduction for depreciation. The choice is yours.

Fast-track claims

Unica stands apart with dedicated restoration experts and trusted vendor partners ready to respond on site. This proactive approach speeds up assessment and mitigation, minimizes downtime, controls costs, and preserves the integrity of your properties.

What coverage options are available?

Availability of property coverages
Comprehensive coverage
LIVEasy enhanced coverage
Home
Comprehensive coverage
Included
LIVEasy enhanced coverage
Included
Condo
Comprehensive coverage
Included
LIVEasy enhanced coverage
Included
Tenant
Comprehensive coverage
Included
LIVEasy enhanced coverage
Best-in-class claims handling
Comprehensive coverage
Included
LIVEasy enhanced coverage
Included
Dedicated claims team
Comprehensive coverage
Included
LIVEasy enhanced coverage
Included
Best-in-class single-limit of insurance
Comprehensive coverage
Included
LIVEasy enhanced coverage
Included
Investment property coverage
Comprehensive coverage
Included
LIVEasy enhanced coverage
Secondary property coverage
Comprehensive coverage
Included
LIVEasy enhanced coverage
Included
WATERtight water damage protection
Comprehensive coverage
Add-on available
LIVEasy enhanced coverage
Add-on available
Best-in-class identity theft coverage
Comprehensive coverage
Add-on available
LIVEasy enhanced coverage
Included
Increased jewellery limit
Comprehensive coverage
LIVEasy enhanced coverage
Included
Increased special limits
Comprehensive coverage
LIVEasy enhanced coverage
Add-on available
Enhanced personal liability limits
Comprehensive coverage
Add-on available
LIVEasy enhanced coverage
Included
Safety deposit box or bank vault
Comprehensive coverage
LIVEasy enhanced coverage
Included
Dwelling parts replacement coverage
Comprehensive coverage
LIVEasy enhanced coverage
Included
Waiver of deductible
Comprehensive coverage
LIVEasy enhanced coverage
Included
Cash settlement options
Comprehensive coverage
Included
LIVEasy enhanced coverage
Included
Condo interior with large windows and white furniture.
The interior of a condo living room.
A grey brick home with a well-maintained garden.

Our LIVEasy enhanced coverage option is best suited to property owners who value exceptional protection. These products provide higher limits, additional coverages, and more flexible claims settlement options than standard plans, offering trusted protection for your most cherished assets.

Discover More

For our Broker Partners: Learn more about our suite of personal property products.

Bundle with Unica and save.

Combine your home, auto or business with Unica to save on your monthly premiums.

Learn more
https://www.unicainsurance.com/wp-content/uploads/2023/03/Bundle-Home-min.png
https://www.unicainsurance.com/wp-content/uploads/2023/03/Bundle-Business-min.png
https://www.unicainsurance.com/wp-content/uploads/2023/03/Hero-1Vehicle-Hero.jpg

Find a broker in your neighbourhood.