Wawanesa Insurance company

Wawanesa Insurance company

Wawanesa Insurance company

The Company was established as a farmers’ mutual insurance carrier in 1896 in Wawanesa, Manitoba under the laws of Canada and was subsequently incorporated by an Act of Parliament on May 1, 1929. The United States Branch was established under the laws of California on May 23, 1974. Initial funds were realized from a contribution of the Canadian parent corporation, The Wawanesa Mutual Insurance Company, Winnipeg, Manitoba. The first policy was written in the United States in April 1975.

Its U.S. Company is headquartered in San Diego, California. Marketing, underwriting, claims processing, and policyholder services are all conducted from the San Diego office. The company is currently licensed to write business in California and Oregon. The U.S. operation is a wholly owned subsidiary of The Wawanesa Mutual Insurance Company of Canada, one of the leading insurance carriers in Canada.

what is insurance options in Wawanesa Insurance company?

Automobile Insurance

A. Bodily Injury Liability – Mandatory Coverage

This coverage protects you against possible loss of your home, income and life savings (financial loss) should your vehicle injure or kill anyone and you are legally liable. It also pays for related legal defense, court and investigative costs. This coverage pays up to the first limit for any one person and up to the second limit for two or more persons injured or killed.

B. Property Damage Liability – Mandatory Coverage

This coverage protects you against financial loss when your vehicle damages another person’s property, such as their vehicle, if you are legally liable.

C. Automobile Medical Payments – Optional Coverage

This coverage pays, up to your selected limit, for each person injured in your vehicle, including yourself. It pays expenses for medical, dental, hospitalization and funeral expenses. It also protects you and your household relatives, should they, as pedestrians, be struck by an automobile. We cover medical expenses that are in excess over other valid insurance.

D. Comprehensive – Including Fire & Theft – Optional Coverage

This coverage pays for loss or damage caused to your vehicle by other than a collision. This includes fire, theft, earthquake, explosion, glass breakage, riot, vandalism and wind storm protection. It pays the lesser amount of either the actual value of your vehicle or the amount of each loss, in excess of your selected deductible.

E. Collision – Optional Coverage

This coverage provides protection for loss or damage to your vehicle caused by upset or collision with another vehicle or object. It pays the lesser amount of either the actual value of your vehicle or the amount of each loss, in excess of your selected deductible.

F. Roadside Assistance – Optional Coverage

This coverage pays up to $100 for each disablement of your vehicle when using its Roadside Assistance Sign and Drive Option. Maximum reimbursement using any other licensed service provider is $50 per disablement. Lockout Service is limited to $100.

For 6 Month Policy:

Roadside Assistance is not available for Travel Trailer/Recreational Trailers or Motorhomes or for vehicles older than 14 years. There is a limit of one (1) reimbursement per disablement, and a total of two (2) incidents per covered vehicle per policy period.

For 12 Month Policy:

Roadside Assistance is not available for Travel Trailer/Recreational Trailers or Motorhomes. There is a limit of one (1) reimbursement per disablement, and a total of four (4) incidents per covered vehicle per policy period.

F1. Rental Expense – Optional Coverage

(Available on vehicles insured for Comprehensive or Collision Coverage)
This coverage provides for expenses for a rental vehicle while your vehicle is being repaired and the cause of damage to your vehicle is covered under either Comprehensive or Collision.

For 6 Month Policy:
The following rental expense coverage options are available:

$25 per day to a maximum of $750 per covered loss
$30 per day to a maximum of $900 per covered loss
$40 per day to a maximum of $1200 per covered loss
$50 per day to a maximum of $1500 per covered loss

For 12 Month Policy:
The following rental expense coverage options are available:

$25 per day to a maximum of $750 per covered loss
$30 per day to a maximum of $900 per covered loss

G. Uninsured/Underinsured Motorist Protection – Optional Coverage

(Coverage will be provided unless a waiver is signed)
This coverage provides protection against the hazard of bodily injury caused by someone who has no auto liability insurance or whose bodily injury limits are lower than your chosen limit for this coverage.

H. Uninsured Motorist – Property Damage – Optional Coverage

(Coverage will be provided on all vehicles not insured for Collision coverage unless a waiver is signed)
This coverage is available on all vehicles not insured for Coverage E.- Collision. It provides up to $3,500 towards the lesser of either repairs to or the actual value of your vehicle for damages caused by direct physical contact with an uninsured vehicle where the driver or vehicle is identified and legally liable.

I. Uninsured Motorist – Collision Waiver – Optional Coverage

(Coverage will be provided on all vehicles insured for Collision coverage unless a waiver is signed)
This coverage pays your collision deductible for damages to your vehicle caused by direct physical contact with an uninsured vehicle where the driver or vehicle is identified and legally liable.

Renters Insurance

We offer one of the most comprehensive renters insurance programs: maximum value for your insurance dollar. Some important program features included in its policy at no additional cost are:

REPLACEMENT COST ON CONTENTS* Guarantees that most of your personal property will be replaced at current Replacement Cost. Items such as antiques, memorabilia and fine arts will be settled at Actual Cash Value.

INFLATION GUARD Helps to keep your limits of insurance equal to the current replacement value of your personal property.

* Replacement Cost on contents does NOT APPLY to damage from the peril of Earthquake, if coverage for Earthquake is selected.

BASIC PROTECTION

Coverage C – Personal Property

Your belongings are covered up to the limit of your policy. Special limits for certain items of personal property are:

1. $200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum other than platinumware, coins, medals, scrip, stored value cards and smart cards.

2. $1,500 on securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps.

3. $1,500 on watercraft of all types, including their trailers, furnishings, equipment and outboard engines or motors.

4. $1,500 on trailers or semitrailers not used with watercraft of all types.

5. $1,500 on loss by theft of jewelry, watches, furs, precious and semiprecious stones.

6. $2,500 for loss by theft of firearms and related equipment.

7. $2,500 for loss by theft of silverware, silver-plated ware, goldware, gold-plated ware, platinumware, platinum-plated ware and pewterware. This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or pewter.

8. $2,500 on property, on the “residence premises”, used primarily for “business” purposes.

9. $1,500 on property, away from the “residence premises”, used primarily for “business” purposes.

10. $1,500 on portable electronic equipment that reproduces, receives or transmits audio, visual or data signals, is designed to be operated by more than one power source, one of which is a “motor vehicle’s” electrical system, and is in or upon a “motor vehicle”.

11. $250 for antennas, tapes, wires, records, disks or other media that are used with electronic equipment that reproduces, receives or transmits audio, visual or data signals, and is in or upon a “motor vehicle”.

Certain personal property category limits may be increased.

Coverage D – Loss of Use

This provides coverage for additional living expenses should a covered loss cause your residence to be uninhabitable. Wawanesa Insurance company covers necessary additional living expenses so that you can maintain your household at its normal standard of living for up to twelve (12) full months.

Coverage E – Personal Liability

If a claim is made or suit is brought against you for damage because of bodily injury or property damage (to which this coverage applies), for which you are liable, it will pay up to our limit of liability for the damage.

Coverage F – Medical Payments to Others

Wawanesa Insurance company will pay the necessary medical expenses (to which this coverage applies), up to its limit of liability, as a result of an accidental injury to another.

WORKERS COMPENSATION

Required by California state law, this coverage applies only to non-business pursuits. Occasional employee coverage is automatically provided for each employee who works less than ten hours per week, and whose duties are incidental to ownership, maintenance or use of the residence; i.e., babysitter, gardener, housecleaner, etc.

OTHER BASIC COVERAGES

Wawanesa Insurance company will pay reasonable costs incurred by you, up to its coverage limit, to prevent further damages such as removal of debris and fire department service charges incurred to protect your covered property.

OPTIONAL COVERAGES

Wawanesa Insurance company’s policy provides the necessary protection for most renters, however there may, in certain circumstances, be a need for the extra security provided by an optional coverage.

A. Increased Limits

Extended coverage is available, subject to individual item and aggregate limits, to increase the basic coverage limits on a blanket basis for:

1. Jewelry, Watches and Furs
2. Silverware, Goldware, Platinumware and Pewterware
3. Firearms and Related Equipment
4. Money
5. Securities
6. Portable Electronic Equipment

B. Scheduled Personal Property

Specific items in the following categories, can be scheduled on an individual basis and insured to their current appraised value:

1. Jewelry
2. Furs
3. Musical Instruments
4. Silverware
5. Golfer’s Equipment
6. Sports Equipment
7. Fine Arts (with or without breakage coverage)
8. Cameras and Photographic Equipment
9. Stamps
10. Coins

C. Limited Coverage for Earthquake – California

The basic policy does not automatically provide coverage against the peril of Earthquake. Limited coverage, on an actual cash value settlement basis, is offered on Wawanesa Renters Policies. Personal Property coverage is limited to $5,000. Additional Living Expense is provided but limited to $1,500. Replacement Cost on Contents Coverage does not apply and this optional coverage is subject to a deductible of $750.

D. Credit Card, Electronic Fund Transfer Card or Access Device, Forgery & Counterfeit Money

The basic policy provides a $500 limit of coverage for losses created by your legal obligation to pay because of theft or unauthorized use of credit or electronic fund transfer cards or access device, check forgery or the good faith acceptance of counterfeit money. The limit can be increased up to $10,000 for an additional premium.

E. Other Coverage Options

Wawanesa Insurance company has other coverage options available to meet your individual needs. These include:

1. Business Pursuits Protection
2. Permitted Incidental Occupancies – Residence Premises
3. Increased Limits on Business Property
4. Increased Limits – Coverage C – Personal Property (maximum limit of $210,000 available)

Homeowners Insurance

Wawanesa Insurance company offers one of the most comprehensive Homeowners Protection Programs for your insurance dollar. Some important program features included in its policy at no additional costs are:

DWELLING EXTENDED REPLACEMENT COST Provides peace of mind that if your home is completely destroyed it will be rebuilt, even if the cost exceeds your policy limit, up to 150% of your coverage limit.

INFLATION GUARD Helps to keep your limits of insurance equal to the current replacement value of your home.

REPLACEMENT COST ON CONTENTS Guarantees that most of your personal property will be replaced at current replacement cost. Items such as antiques, memorabilia, fine arts… will be settled at actual cash value.

* Dwelling Extended Replacement Cost and Replacement Cost on Contents do NOT APPLY to damage from the peril of Earthquake, if coverage for Earthquake is selected.

BASIC PROTECTION

Coverage A – Dwelling

This affords insurance coverage for your home on an extended replacement cost basis. Your home is protected against risks of direct physical loss, except as otherwise excluded.

Coverage B – Other Structures

This provides coverage against risks of direct physical loss to your detached buildings on an extended replacement cost basis up to an amount equal to 10% of the coverage limit on your dwelling, except as otherwise excluded.

 Coverage C – Personal Property

Your belongings are covered up to the limit of your policy. Special limits for certain items of personal property are:

1. $200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum other than platinumware, coins, medals, scrip, stored value cards and smart cards.

2. $1,500 on securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps.

3. $1,500 on watercraft of all types, including their trailers, furnishings, equipment and outboard engines or motors.

4. $1,500 on trailers or semitrailers not used with watercraft of all types.

5. $1,500 on loss by theft of jewelry, watches, furs, precious and semiprecious stones.

6. $2,500 for loss by theft of firearms and related equipment.

7. $2,500 for loss by theft of silverware, silver-plated ware, goldware, gold-plated ware, platinumware, platinum-plated ware and pewterware. This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or pewter.

8. $2,500 on property, on the “residence premises”, used primarily for “business” purposes.

9. $1,500 on property, away from the “residence premises”, used primarily for “business” purposes.

10. $1,500 on portable electronic equipment that reproduces, receives or transmits audio, visual or data signals, is designed to be operated by more than one power source, one of which is a “motor vehicle’s” electrical system, and is in or upon a “motor vehicle”.

11. $250 for antennas, tapes, wires, records, disks or other media that are used with electronic equipment that reproduces, receives or transmits audio, visual or data signals, and is in or upon a “motor vehicle”.

Certain personal property category limits may be increased. Please refer to the Optional Coverage Section.

Coverage D – Loss of Use

This provides coverage for additional living expenses should a covered loss cause your home to be uninhabitable. It covers necessary additional expenses, up to an amount equal to 20% of the coverage limit on your dwelling , so that you can maintain your household at its normal standard of living.

Coverage E – Personal Liability

If a claim is made or a suit is brought against you for damage because of bodily injury or property damage (to which this coverage applies), it will pay, up to its limit of liability for the damage.

 Coverage F – Medical Payments to Others

Wawanesa Insurance company will pay the necessary medical expenses, (to which this coverage applies), up to oits limit of liability, for which you are liable as a result of an accidental injury to others.

WORKERS COMPENSATION

Required by California state law, this coverage applies only to non-business pursuits. Occasional employee coverage is automatically provided for each employee who works less than ten hours per week, and whose duties are incidental to the ownership, maintenance or use of the residence; i.e., baby-sitter, gardener, housecleaner, etc..

OTHER BASIC COVERAGES

Wawanesa Insurance company will pay reasonable costs incurred by you, up to its coverage limit, to prevent further damage such as removal of debris and fire department service charges incurred to protect the property.

OPTIONAL COVERAGES

Wawanesa Insurance company’s policy provides the necessary protection for most homeowners. There may, however, be a need for the extra coverage, provided on an individual basis, by an optional coverage.

A. Increased Limits

Extended coverage is available, subject to individual item and aggregate limits, to increase the basic overage limits, on a blanket basis for:

1. Jewelry, Watches and Furs
2. Silverware, Goldware and Pewterware
3. Firearms
4. Money
5. Securities
6. Portable Electronic Equipment

B. Scheduled Property

Specific items, in the following categories, can be scheduled on an individual basis and insured to their current appraised value:

1. Jewelry
2. Furs
3. Musical Instruments
4. Silverware
5. Golf Equipment
6. Fine Arts (with or without breakage coverage)
7. Cameras and Photographic Equipment
8. Stamps
9. Coins

C. Limited Earthquake Coverage – California

The basic policy does not automatically provide coverage against the peril of Earthquake. Limited coverage, on an actual cash value settlement basis, is offered on every homeowners policy. Dwelling coverage is limited to the amount of coverage provided under Coverage A – Dwelling on the basic policy. Personal Property coverage is limited to $5,000. Additional Living Expenses is provided but limited to $1,500. Extended Replacement Cost Coverage does not apply and this optional coverage is subject to a deductible limit equal to 15% of the coverage limit on your dwelling.

D. Credit Card, Fund Transfer Card, Forgery & Counterfeit Money

The basic policy limit of $500 coverage for losses created by your legal obligation to pay because of theft or unauthorized use of credit or fund transfer cards, check forgery or the good faith acceptance of counterfeit money can be increased up to $10,000.

E. Special Limits Enhancement Endorsement

For qualifying homeowners, this endorsement may be added to increase various limits under Section I – Property Coverages under Coverage C – Personal Property, Special Limits of Liability and Coverage E – Additional Coverages as follows:

special limits enhancement endorsement

F. Identity Fraud Expense Coverage

Covers up to $25,000 for expenses incurred as the direct result of any one identity fraud during the policy period. A $500 deductible applies.

G. Home Systems Protection

Provides coverage for sudden and accidental breakdown that causes direct physical damage to home infrastructure systems and personal property, including but not limited to:

HVAC, water heaters, electrical, generators, well pumps, air/water filtration, pool equipment, chair lifts, alarm systems, appliances, computers, entertainment systems, electronics, exercise equipment, power equipment.

The limit for Home Systems Protection coverage is $50,000 with a $500 deductible.

H. Service Line Coverage

Provides coverage for the repair or replacement of service lines that bring water, power, data and communications into the home, when the damage is on your property.

The limit for Service Line Coverage is $10,000 with a $500 deductible.

I. Other Coverage Options

Wawanesa Insurance company has other coverage options available to meet your individual needs. These include:

1. Increased Limits on Money and Securities
2. Business Pursuits Protection
3. Permitted Incidental Occupancies – Residence Premises
4. Increased Limits on Business Property
5. Increased Limits on Other Structures
6. Reduced or Increased Coverage C – Personal Property Limit

Condominium Insurance

Wawanesa Insurance company offers one of the most comprehensive Homeowners Protection Programs for your insurance dollar. Some important program features included in its policy at no additional costs are:

REPLACEMENT COST ON CONTENTS Guarantees that most of your personal property will be replaced at current replacement cost. Items such as antiques, memorabilia, fine arts… will be settled at actual cash value.

SPECIAL COVERAGE FOR DWELLING Broadens and provides increased protection for your dwelling.

INFLATION GUARD Helps to keep your limits of insurance equal to the current replacement value of your personal property.

* Replacement Cost on Contents does NOT APPLY to damage from the peril of Earthquake, if coverage for Earthquake is selected.

BASIC PROTECTION

Coverage A – Dwelling

The basic Coverage A – Dwelling limit is 10% of your Personal Property limit. This provides coverage on additions, alterations, appliances, fixtures and improvements which are part of your building and not covered by your association’s policy. Limits can be increased in increments of $1,000 up to a maximum of $210,000 @ only $1 per $1,000. If Earthquake coverage is selected.

Wawanesa Insurance company strongly recommend that you read the Association’s Covenants, Conditions and Restrictions (CC&Rs) which should state the insurance responsibilities of the association and the unit owner. Most condominium associations insure the building’s structure and common areas, but each unit’s interior is the responsibility of the unit owner.

If your Homeowner’s Association is not responsible for insuring the interior of your unit, you, the unit owner, need to insure everything inside the unit such as cabinets, built-in appliances, flooring, counter tops, interior partitions, bathroom and kitchen fixtures, and other improvements. Your Homeowner’s Association may also not cover improvements made by you (or a previous owner) to your unit such as upgraded carpet or upgraded counter tops.

Coverage C – Personal Property

Your belongings are covered up to the limit of your policy. Special limits for certain items of personal property are:

1. $200 on money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum other than platinumware, coins, medals, scrip, stored value cards and smart cards.

2. $1,500 on securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, personal records, passports, tickets and stamps.

3. $1,500 on watercraft of all types, including their trailers, furnishings, equipment and outboard engines or motors.

4. $1,500 on trailers or semitrailers not used with watercraft of all types.

5. $1,500 on loss by theft of jewelry, watches, furs, precious and semiprecious stones.

6. $2,500 for loss by theft of firearms and related equipment.

7. $2,500 for loss by theft of silverware, silver-plated ware, goldware, gold-plated ware, platinumware, platinum-plated ware and pewterware. This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or pewter.

8. $2,500 on property, on the “residence premises”, used primarily for “business” purposes.

9. $1,500 on property, away from the “residence premises”, used primarily for “business” purposes.

10. $1,500 on portable electronic equipment that reproduces, receives or transmits audio, visual or data signals, is designed to be operated by more than one power source, one of which is a “motor vehicle’s” electrical system, and is in or upon a “motor vehicle”.

11. $250 for antennas, tapes, wires, records, disks or other media that are used with electronic equipment that reproduces, receives or transmits audio, visual or data signals, and is in or upon a “motor vehicle”.

Certain personal property category limits may be increased. Please refer to the Optional Coverage Section.

Coverage D – Loss of Use

This provides coverage for additional living expenses should a covered loss cause your unit to be uninhabitable. It cover necessary additional expenses so that you can maintain your household at its normal standard of living for up to 12 months.

Coverage E – Personal Liability

If a claim is made or a suit is brought against you for damage because of bodily injury or property damage (to which this coverage applies), it will pay, up to its limit of liability for the damage.

 Coverage F – Medical Payments to Others

Wawanesa Insurance company will pay the necessary medical expenses, (to which this coverage applies), up to its limit of liability, for which you are liable as a result of an accidental injury to others.

WORKERS COMPENSATION

Required by California state law, this coverage applies only to non-business pursuits. Occasional employee coverage is automatically provided for each employee who works less than ten hours per week, and whose duties are incidental to the ownership, maintenance or use of the residence; i.e., baby-sitter, gardener, housecleaner, etc..

OTHER BASIC COVERAGES

Wawanesa Insurance company will pay reasonable costs incurred by you, up to its coverage limit, to prevent further damage such as removal of debris and fire department service charges incurred to protect the property.

OPTIONAL COVERAGES

Wawanesa Insurance company’s policy provides the necessary protection for most condominium owners. There may, however, be a need for the extra coverage, provided on an individual basis, by an optional coverage.

A. Increased Limits

Extended coverage is available, subject to individual item and aggregate limits, to increase the basic overage limits, on a blanket basis for:

1. Jewelry, Watches and Furs
2. Silverware, Goldware and Pewterware
3. Firearms
4. Money
5. Securities
6. Portable Electronic Equipment

B. Scheduled Property

Specific items, in the following categories, can be scheduled on an individual basis and insured to their current appraised value:

1. Jewelry
2. Furs
3. Musical Instruments
4. Silverware
5. Golf Equipment
6. Fine Arts (with or without breakage coverage)
7. Cameras and Photographic Equipment
8. Stamps
9. Coins

C. Limited Earthquake Coverage – California

The basic policy does not automatically provide coverage against the peril of Earthquake. Limited coverage, on an actual cash value settlement basis, is offered on every condominium policy. Dwelling coverage is limited to the amount of coverage provided under Coverage A – Dwelling on the basic policy. Personal Property coverage is limited to $5,000. Additional Living Expenses is provided but limited to $1,500. Replacement Cost on Contents Coverage does not apply and this optional coverage is subject to a deductible limit equal to 15% of the coverage limit on your dwelling or Personal Property limit of $5,000, whichever is greater.

D. Credit Card, Fund Transfer Card, Forgery & Counterfeit Money

The basic policy limit of $500 coverage for losses created by your legal obligation to pay because of theft or unauthorized use of credit or fund transfer cards, check forgery or the good faith acceptance of counterfeit money can be increased up to $10,000.

E. Loss Assessment Coverage

The basic policy provides up to $1,000 of coverage for your share of assessments charged against you by a corporation or association of property owners for a peril covered under its policy. This limit can be increased up to $15,000. This does not cover loss assessments arising from earthquakes, even if Limited Earthquake Coverage is provided on the policy.

F. Other Coverage Options

Wawanesa Insurance company has other coverage options available to meet your individual needs. These include:

1. Increased Limits on Money and Securities
2. Business Pursuits Protection
3. Permitted Incidental Occupancies – Residence Premises
4. Increased Limits on Business Property
5. Increased Limits on Other Structures

how can i contact Wawanesa Insurance company?

9050 Friars Road
San Diego, CA 92108

Phone: (858) 874-5300
Toll Free: 1-800-640-2920
Fax: (619) 285-2711

Email: [email protected]
Website: www.wawanesa.com

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