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.

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

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

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.