Residential Insurance

High-value, well-appointed homes can be enormously intricate in their design and construction. We have experts who understand the specific needs of these homes and the particular homeowners policy they require. Our deep insurer relationships coupled with the breadth of our resources allow us to place coverage that will help ensure the proper restoration of luxury homes with materials of like kind and quality in the event of damage or complete destruction.

Coverage Highlights

Homeowners/Secondary and Vacation Homes

  • Guaranteed Replacement Cost
  • Rebuild at another location cash option
  • Cash settlement on contents and Contents coverage extended to other locations
  • Unlimited Additional Living Expenses
  • Students away from home Contents coverage
  • Rebuilding to code
  • Equipment Breakdown coverage
  • Identity Fraud expense coverage

Condominium Owners

  • Replacement Cost cash settlement
  • Full Contents coverage for stored contents
  • Unlimited Additional Living Expenses
  • Master policy Contingent and Unit Assessments coverages

Valuable Articles

  • Agreed Value
  • Blanket or Itemized coverage
  • Mysterious Disappearance coverage
  • Breakage coverage
  • In-Vault Jewellery
  • Worldwide coverage
  • Coverage for diverse items
  • Wine Collections coverage

Fine Arts

  • Values guaranteed
  • Ease of managing the collection
  • Market Value protection
  • No deductible
  • Choice of settlements
  • Breakage coverage

Personal and Excess Liability

  • Personal Injury
  • Directors Liability - Non-profit organization
  • Unlimited Defence Costs
  • Money - Credit Fraud coverage
  • Worldwide Rental Car coverage
  • High limits

Family Protection

  • Identity Fraud expenses and resolution
  • Identity Fraud monitoring
  • Kidnap & Ransom coverage with child abduction
  • Car Jacking coverage
  • Home Invasion coverage
  • Stalking Threat coverage
  • Access to crisis mitigation specialists