Cherry takes the time to review your policy parameters with you so you can have the confidence that your insurance is right for your unique situation.
01Coverage for rebuilding your home at today's labour and material costs. Cherry brokers will work with you to review your dwelling limit so it reflects current rebuild costs, not what you paid for the house or what it would sell for.
Coverage for everything inside the home, furniture, electronics, clothing, appliances. Optional riders are available for jewelry, art, collectibles, and high-value items that may exceed standard limits.
Covers you if someone is injured on your property or if you accidentally cause damage to someone else's property. Standard limit is $1M. Cherry brokers often suggest exploring $2M for most homeowners, the cost difference is typically minimal.
Two separate endorsements that western Canadian homeowners commonly need. Sewer backup covers water entering through your drains. Overland water covers flooding from spring runoff, heavy rain, or a nearby waterway. Neither is included in a standard policy. Cherry will offer you the best coverage available so a denied claim doesn't catch you off guard.
If your home is uninhabitable after a covered loss, this pays for your temporary accommodation, meals, and related costs while repairs are completed. Standard on most Cherry home policies.
A cabin in the land of lakes or an acreage under the stars aren't covered the same way as a city home. Cherry brokers understand rural and recreational property to tailor your policy to you.
Most Cherry home reviews take about 15 minutes. Call any of our six offices or start online.
Coverage should reflect what it would take to rebuild your home at today's construction prices, which is often very different from what you paid for the home or what it would sell for. Cherry brokers will work with you to review your coverage and limits so you have a clearer picture of where you stand.
Yes. Hail is one of the most common property claims on the prairies. A standard Cherry home policy covers hail damage to your roof, siding, windows, and exterior structures including detached garages and fences. If you've had a major hailstorm recently, call us to review your coverage limits.
Sewer backup coverage protects you when water enters your home through a floor drain, toilet, or sewer line, common during spring runoff or heavy rain events. It is not included in a standard home policy. A Cherry broker will help you understand the endorsement options available to you.
Overland water coverage protects against flooding from an external water source, a nearby river, heavy rainfall, or spring melt. It is separate from sewer backup coverage and also not included in a standard policy.
These properties have unique exposures that Cherry brokers address specifically when building your policy.
Yes. Seasonal and year-round recreational properties including lake cabins are covered through Cherry. Cabin policies are different from standard home policies, talk to a broker about the right approach for your property.
Cherry brokers often suggest exploring a minimum of $2M personal liability for most homeowners. The cost difference between $1M and $2M is typically small, the difference in coverage if something serious happens can be significant.
Yes. Cherry offers an online home eQuote tool at cherryinsurance.ca/equote/ for straightforward residential properties. For acreages, cabins, or properties with unique features, a broker conversation will get you a more accurate number. Call 306-653-2313 or visit any of our six locations.
Call your Cherry broker directly, submit a claim through the Cherry client portal online, or use the Cherry mobile app. Your broker will guide you through whether to claim, the deductible implications, and what the process looks like with your specific carrier.