If you, or another member of your household cause damage to property belonging to an individual, business, or organization, Voluntary Property Damage coverage can provide payments to compensate the victim for their loss.
Similar to Voluntary Medical Payments, you don’t need to accept liability for the damages in order to make a Voluntary Property Damage claim; however, coverage is limited to the actual costs of repairing or replacing the damaged property.
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List of all home insurance coverage options
Learn more about what's covered by home insurance in Ontario.
To learn more about Voluntary Property Damage coverage limits and exclusions on your homeowner insurance policy, contact us here at Mitch. Our home insurance specialists will review your existing coverage, explain the fine print, and help you understand your insurance options.