I live at Vancouver, BC, Canada. My fiancee and I are contracting a so-called low-cost tenant home insurance with Square One. We've started this insurance 2 years ago and have been paying 44.27 CAD per month.
At the moment we signed for this insurance, I specifically asked the insurer a few questions of whether potential damages I could think of would be covered. Among these potential damages I asked whether a red wine stain on the carpet would be covered. The answer was "yes".
Recently, I accidentally touched my glass of red wine with my elbow while eating and made a red wine stain on my carpet! I contacted (by phone) the insurance and they answered by email afterward:
We regret to inform you that your policy does not cover the loss reported to us. More specifically, your policy does not insure loss or damage to property you rent, except for the unintentional damage to the premises or contents resulting from fire, explosion, water damage or smoke insured under this policy. We direct you to Section 7.3.1 (e) of your insurance policy for the specific wordings. As such, your claim file is now being closed
I am not sure I fully understand what is included in the term "premises".
- Am I supposed to be covered?
- If yes, what should I do to force Square One to respect our contract?