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Primary Residence

Homeowners, Condominium & Tenants

How Is High-Value Home Insurance Different From Traditional Mass Market Home Insurance?

High-value home insurance policies are crafted with intelligent and valuable coverages and enhancements to meet the needs of your lifestyle.

Here are some details:

  • Increased policy limits are available in high-value home insurance for money, jewelry, landscaping, personal contents and business-use items

  • Broader perils / coverage for items like fine arts, memorabilia, antiques and wine collections

  • If an insured chooses to rebuild after a loss, coverage is available for increased construction costs after a claim due to bylaw compliance requirements.

  • While most traditional insurance policies limit the amount of coverage available for additional living expenses, our high-value policies offer unlimited additional living expenses on home, condo and renters policies. 

  • Our high-value policies offer full cash, replacement cost settlement options without depreciation for both the home and personal contents in the home (without any requirement to rebuild/repair the dwelling or replace any of the contents)

  • High-value policies include a custom on-site reconstruction cost home appraisal.  All appraisals are performed by highly skilled & trained professionals. These appraisals will used to determine the Insured value of the home and ensure the coverage is sufficient to rebuild the home in the event disaster strikes.

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Custom Tailored Coverages To Meet Your Needs

  • The coverages, deductibles and premiums are custom crafted to your needs and lifestyle

  • You receive specialized claims service by insurance company, adjuster and contractors that understand your lifestyle

  • Ability to increase coverage for furniture, electronics and other valuable contents beyond the insured value of the dwelling

  • Unlimited coverage limits are available in case you have to live elsewhere while repairs are completed for an insured loss

Coverage Enhancements

  • Extra discounts are available when clients choose to schedule jewelry or fine arts items in excess of $25,000

  • (Note: appraisals are not required for items valued less than $50,000)

  • Additional discounts are available for risk where extra security and protective devices measures are in place (For example, backup power generator, automatic water shut off / leak detection device installed, sump pump battery backup, etc.) 

  • Contents extensions are available for goods located at another property. For example, a certain percentage of contents from the primary dwelling can be extended to cover contents at a secondary residence

Image by Aaron Huber
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Increased Limits For Contents & Liability

  • Clients have the option to tailor the policy limits based on their needs

  • Unlimited bylaw coverage is available

  • Higher limits are available with respect to special limits items. This is geared toward homes with high-value collections and possessions including jewelry, antiques, wine and fine art

  • Umbrella liability coverage is available.