Home Insurance Glossary

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Brick veneer
Building coverage
Sewer back up option
Solid brick

Brick veneer
This is one of the materials used in home construction. The construction type of your property to determines your rates. Generally, if your home is of a more solid construction like brick or brick veneer, the lower your insurance rates. This is because these materials are less combustible than other building materials.

Building coverage
For homeowners only, building coverage protects the structure of your home, not your contents inside.

Sewer back up option
A regular property policy covers you for any damages caused by a "sudden, accidental discharge of water in your home." This includes coverage for freezing pipes and the overflow of water from public water mains carrying drinking water (e.g. a bathtub overflow). If you wish to be covered for damages caused by the back up of sewers, septic tanks, eavestroughs or downspouts, you should purchase the Sewer back up option.

Solid brick
Solid brick is one of the materials used for home construction. Insurance companies use the construction type of your property to determine your rates. Generally, if your home is of a more solid construction like brick or brick veneer, the lower your insurance rates. This is because these materials are less combustible than other building materials.


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