Enhance your protection with additional optional coverage.†
The Worry-Free Bundle combines the Personal Property Claim Protector and the Disappearing Deductible into one endorsement for premium savings.
Every year you don’t have a claim, your deductible goes down by 20%. After five years it disappears entirely!
Personal Property Claims Protector
This protects your Claims Free Discount following the first claim on the protected location in a five-year period. After one claim, the Personal Property Protector endorsement must remain in place to keep your Claims Free Discount in the following term.
Sewer Back-Up/Water Endorsement
Coverage for sewer back-up/water varies depending on where you live. Contact an OTIP customer service representative at 1‑800‑267‑6847 for information on different coverage levels and rates in your area.
Overland Water Protection
If you have sewer back-up protection, you may also be eligible to purchase overland water protection. This protects your property from loss or damages should water enter your property as a result of heavy rains, spring run-off or overflowing lakes or rivers.
† Coverage availability depends on insurance carrier.