Optional Benefits for your Property Insurance
OTIP offers a variety of optional benefits to enhance your property insurance policy. Find out more
about liability insurance, identity theft coverage, protecting your home business and more.
Free for all policyholders
Claims Counselling
If you find yourself in a position where you need to make a claim on your property insurance policy – call
OTIP first. Speak to one of our licensed service representatives who will request information about the
incident and guide you through the impact of an insurance claim on your policy and your future insurance rates.
We will advise you of the next steps and a claims representative will assist you through the process to
repair or replace your property. Take advantage of 24-hour access to an experienced claims representative
and strategic alliances with reputable repair facilities throughout the province.
HALO Assistance Program
The HALO Assistance Program is a free and unlimited telephone service, offering legal, home and health
assistance exclusively for OTIP policyholders. You'll talk with real lawyers, health professionals and
housing specialists – and you can make as many calls as you like! See your renewal package for more information.
Optional add-ons
Identity Theft Expense Endorsement
Protect your most valuable possession – your identity. For $30 a year, you can add the Identity Theft
Expense Endorsement to your property insurance policy and receive the following protection:
- Increased coverage ($15,000) for your credit card/automated teller card
- Coverage for identity theft to a maximum of $15,000 (for costs such as legal fees, registered mail costs, long distance telephone charges, lost wages)
- Access to a credit card registry hotline notification service to block card use
- Access to assistance from qualified professionals via a legal assistance helpline
Your policy deductible does not apply to this endorsement. Any claims made will not impact your property insurance claims history.
Dolce Vita Home Insurance
Are you a homeowner or condominium owner with a higher-valued property? Dolce Vita Home Insurance
reflects your lifestyle and the way you live, with value-added protection including:
- $2 million liability protection
- A decreasing deductible for every claim-free year
- Full replacement cost with no obligation to rebuild your home or replace your contents (without deduction or depreciation) after a loss
- Coverage extensions at no additional cost including sewer back-up, identity theft, earthquake, and by-laws coverage
Education Extra Package
Extend your property insurance coverage by adding this exclusive OTIP coverage to your policy. The Education Extra package has been
customized to meet your unique insurance needs. For $35 a year, you will receive the following protection:
- Coverage for personal property kept at school (over the summer months too!)
- Coverage for School Board property in your possession
- Increased limits of insurance for items such as books, tools and equipment, jewellery and credit cards
- Coverage for the property of a student away from home, a parent in a nursing home, and non-owner property in your possession
- Access to information lines for small business owner legal assistance and personal finance
Personal Umbrella
Concerned you may not have enough liability coverage? Protect yourself and your family by purchasing
a Personal Umbrella, and receive the following:
- Increased liability limits (from an additional $1 million to $5 million)
- Additional coverage for automobiles driven outside of Canada or the U.S.
- Coverage for your involvement as a director or officer of a non-profit group
- Peace of mind in case of a lawsuit
Home Business Protector
If you run a hobby or home business, you will need additional insurance coverage not included in your property
insurance policy. OTIP's Home Business Protector offers coverage for:
- Theft or vandalism to business contents such as stock, tools and equipment, exterior signs and landscaping
- Business income, accounts receivable, valuable papers and records, and professional fees
- Commercial general liability covering products and your completed operations
Sewer Back-up/Water Endorsement
Coverage for sewer back-up/water is based on the area in which you live. There are different coverage
levels and rates available to meet your needs. This endorsement applies to all primary, secondary, seasonal
and rental dwellings. Also, if your coverage was previously removed due to a claim, you may qualify for coverage.
Other Risks and Alternative Choices for Insurance Coverage
OTIP recognizes that certain items or situations do not fall within a standard property insurance policy. We
have a dedicated team that can help you to place insurance coverage for your watercraft or trailer. Also, we
can assist with hard to place coverage such as short-term storage, vacant home or building under construction, and
special event requirements such as a liquor license and hole-in-one coverage for golf tournaments.
Call Us Today!
As an OTIP property insurance policyholder, you can choose to add these optional benefits to your policy. For more information, please call an OTIP service representative at 1-800-267-6847.
If you are not yet insured with OTIP,
request a free, no-obligation quote.
All optional benefits are subject to underwriting rules; some limitations may apply.