Wawanesa Insurance's Homeowners Insurance covers the following basic (protection) areas - Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments to Others. They also offer insurance products for Workers Compensation and other basic coverage that can be viewed on the company's website. Optional coverage (Increased Limits, Scheduled Property, Limited Earthquake Coverage - California, Credit Card, Fund Transfer Card, Forgery And Counterfeit Money and Other Coverage Options) is also provided by Wawanesa. Important program features included at no additional costs are - Dwelling Limited Replacement Cost (if customers home is completely destroyed it will be rebuilt, up to 150% of their coverage), Inflation Guard (keeps customers limits of insurance equal to the replacement value of their home) and Replacement Cost on Contents.