Q	"If there is damage to my home or contents,     will my insurance company pay me full replacement cost?"
A	Most payments for damage to your home is based on replacement cost value. Loss or damage to contents may be handled this way as well. If so, you are required to actually replace the contents. An alternative would be to take a cash settlement. However, this would be based on the actual cash value of the contents at the time of loss.
Q	"What is the minimum amount of insurance I need for my vehicle?"
A	All Canadians must have "Third Party Liability" Coverage which insures their vehicle against an accident that might involve injury or death or damage to their property. "Accident benefits is also included in this coverage which will provide you with benefits if you are injured in an accident."
Q	"I am planning a trip to the United States. Do I need to purchase additional automobile insurance?"
A	Your Canadian Automobile policy is valid in the United States. Note: However, your policy is not valid in Mexico.

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