Viva Insurance, a leading provider of insurance services, offers comprehensive coverage across a vast geographical network. From bustling metropolises to tranquil rural towns, Viva’s reach extends to ensure that its customers are protected wherever they may reside. With a presence in all major provinces and territories, Viva Insurance is committed to delivering tailored insurance solutions to diverse communities nationwide.
The company’s extensive coverage area encompasses the vibrant cities of Toronto, Montreal, and Vancouver, where it provides insurance to countless individuals and businesses. Moreover, Viva’s reach extends to the serene landscapes of the Maritimes, where it offers peace of mind to residents in communities both large and small. Additionally, the company’s presence in the vast prairies ensures that farmers, ranchers, and homeowners alike have access to essential insurance protection.
Viva Insurance’s geographical reach extends beyond urban and rural areas to include remote and coastal communities. Its coastal coverage provides comprehensive protection to homeowners and businesses facing the unique risks associated with living near bodies of water. Furthermore, Viva Insurance’s presence in remote locations ensures that individuals and businesses residing in isolated areas have access to the same high-quality insurance solutions as those in more populated centers. By catering to such a diverse range of geographical regions, Viva Insurance demonstrates its commitment to providing accessible and reliable insurance to every corner of the nation.
Coverage for Outbuildings
Viva insurance provides coverage for a variety of outbuildings, including garages, sheds, and workshops. This coverage can help protect your belongings from damage or loss due to covered perils, such as fire, theft, or vandalism.
Covered Outbuildings
The following types of outbuildings are typically covered by Viva insurance:
- Garages
- Sheds
- Workshops
- Barns
- Carports
- Gazebos
- Patios
- Decks
- Fences
- Swimming pools
Coverage Limits
The amount of coverage you have for outbuildings will depend on your policy limits. Most policies provide a set amount of coverage for outbuildings, typically a percentage of your dwelling coverage. For example, if you have $200,000 of dwelling coverage, you may have $20,000 of coverage for outbuildings.
Covered Perils
Viva insurance typically covers outbuildings for the same perils as your dwelling, such as:
- Fire
- Theft
- Vandalism
- Windstorm
- Hail
- Lightning
Exclusions
There are some exclusions to coverage for outbuildings. These exclusions may vary from policy to policy, but they typically include:
- Wear and tear
- Negligence
- Intentional acts
- Acts of war
- Nuclear accidents
Additional Coverage
You may be able to purchase additional coverage for outbuildings, such as:
- Increased coverage limits
- Coverage for additional perils
- Replacement cost coverage
How to File a Claim
If you need to file a claim for damage to an outbuilding, you should contact your insurance company as soon as possible. You will need to provide the following information:
- Your policy number
- The date of the loss
- The cause of the loss
- A list of the damaged property
- An estimate of the cost of repairs
Tips for Protecting Your Outbuildings
Here are some tips for protecting your outbuildings from damage or loss:
- Keep your outbuildings locked when not in use.
- Install security alarms or cameras.
- Store valuable items in a safe place.
- Keep your outbuildings in good repair.
- Trim trees and shrubs around your outbuildings to reduce the risk of wind damage.
| Peril | Coverage |
|---|---|
| Fire | Covered |
| Theft | Covered |
| Vandalism | Covered |
| Windstorm | Covered |
| Hail | Covered |
| Lightning | Covered |
| Wear and tear | Excluded |
| Negligence | Excluded |
| Intentional acts | Excluded |
| Acts of war | Excluded |
| Nuclear accidents | Excluded |
Locations of Coverage for Viva Insurance
Viva Insurance provides coverage in the following locations:
- United States (excluding Alaska, Hawaii, and Puerto Rico)
- Canada
- Mexico
- United Kingdom
- France
- Germany
- Spain
- Italy
- Austria
- Switzerland
- Liechtenstein
- Monaco
- San Marino
- Vatican City
- Gibraltar
- Isle of Man
- Jersey
- Guernsey
- Faroe Islands
- Greenland
- Cayman Islands
- Bermuda
- Turks and Caicos Islands
- British Virgin Islands
- United Arab Emirates
- Oman
- Saudi Arabia
- Kuwait
- Bahrain
- Qatar
- Thailand
- Singapore
- Malaysia
- Indonesia
- Philippines
- Vietnam
- Cambodia
- Laos
- Myanmar
- Taiwan
- Hong Kong
- Macau
- South Korea
- North Korea
- Japan
- Australia
- New Zealand
People Also Ask About Locations of Coverage for Viva Insurance
Where is Viva Insurance not available?
Viva Insurance is not available in the following locations:
- Alaska
- Hawaii
- Puerto Rico
Can I get Viva Insurance coverage if I travel outside of the covered locations?
Yes, you can get Viva Insurance coverage if you travel outside of the covered locations. However, you may be subject to additional charges.
How do I find out if Viva Insurance is available in my location?
You can find out if Viva Insurance is available in your location by visiting the Viva Insurance website or by contacting a Viva Insurance agent.