08/26/2026
Does your home Insurance cover this? Something that’s commonly not covered under the lowest levels of home insurance policies?
Bylaw coverage in the event of a total loss scenario.
What does that mean?
A total loss occurs when a home or property is destroyed or damaged so severely by something like a fire or severe storm that it cannot be safely repaired, or the cost to rebuild exceeds the policy’s coverage.
So, what is bylaw coverage?
Bylaw coverage helps pay for the additional costs required to rebuild your home to meet current local building codes and regulations.
Standard coverage may only cover rebuilding the home to its original specifications.
But after a total loss, updated building codes may require expensive upgrades that weren’t required when your home was originally built.
That difference can come out of your pocket if you don’t have the right coverage.
**Insurance coverage, eligibility and premiums vary based on individual circumstances. This content is for general informational purposes only and is not a substitute for personalized insurance advice. Contact us for a personalized quote.**
