High Value Property and Assets Insurance Solutions

Protects your primary residence, assets held in trust, secondary and seasonal residences, and summer cottage rentals.

Whether you have just moved into a new condominium or have lived in the same dwelling for years, we understand the effort it takes to turn a house into a home. We want to make sure you always feel at home, even if a loss should occur and you need to repair, replace or rebuild.

Available coverages include replacement cost cash settlement, unlimited additional living expenses, identity fraud expenses, rebuilding to code, and worldwide personal liability, just to name a few. Overland water coverage for example, provides effective protection against water damage losses associated with the increase in severe weather events in Canada.

Protects your automobiles, antiques and collectibles, motorcycles and recreational vehicles from risks such as theft, accident or unforeseen damage. The collectible vehicles you acquire require customized and high-end coverage. Our role is to expertly guide you in the process of selecting coverage, in order to help you protect these goods.

Provides additional coverage to your original insurance policy, which enables you to benefit from additional limits of protection. In the event that you find yourself involved in a lawsuit where your primary liability coverage is not sufficient, excess liability coverage protects you anywhere in the world against the following: personal injury, directors’ liability for non-profit organizations, non-business related personal injury liabilities such as slander or invasion of privacy, unlimited defense costs, uninsured motorists, rental car coverage, and more.

Ensures that all your valuables such as jewelry, wine cellars and artwork are protected from risks such as damage, theft or vandalism. Your valuables are unique pieces and we understand that the sentimental value of these assets can be greater than the financial value, and that any theft or loss could have a devastating emotional impact.

Protects your watercraft and yachts from damages caused by accidents, weather, theft or vandalism. The acquisition of a boat, yacht or other watercraft for your leisure brings with it risks inherent in its use and risks that are beyond your control. Even if used only seasonally, your marine assets will be protected just like your main vehicles, including when they are moored or stored in your garage during the winter. We offer comprehensive and customized coverage to ensure their protection.

Trusts shield properties from creditors and legal challenges, making them a preferred option for estate planning. They offer tax advantages and enable structured wealth transfer to family members or beneficiaries, ensuring smooth asset administration and continuity of wealth.  Placing properties in trust is a strategic method for safeguarding assets, optimizing tax efficiency, and securing the financial legacies of future generations.

We begin to advocate for you even before a loss is reported to the insurer by offering advice on loss mitigation and prevention, providing emergency contacts and procedures helping to oversee the loss settlement.