High Value Home Insurance
If your home has custom finishes, higher rebuild costs, multiple outbuildings, or significant valuables, a standard policy can leave gaps. High value home insurance is built for higher limits, better settlement options, and the kind of claims support you actually want when the stakes are high.
When High Value Coverage Makes Sense
Higher replacement cost and custom rebuild details
Premium materials, custom millwork, specialty trades, and higher labour costs can make rebuilding far more expensive than expected.
Valuables that exceed standard policy sub-limits
Jewellery, watches, art, collections, cameras, and high-end bicycles often need to be scheduled so limits and coverage are clear.
You want stronger claims service and flexibility
High value programs are designed for complex claims. They typically provide better access to specialists (appraisers, restoration partners) and more flexible settlement options depending on the situation.
What's Typically Included
Buildings and structures
Coverage for the home as well as attached structures, and stronger handling for detached structures like coach houses, pool houses, sheds, and higher-end outdoor features.
Contents and valuables
Higher baseline contents limits and better ways to insure fine items by scheduling them properly, rather than hoping generic limits are enough.
Liability
Higher liability limits are common for higher-value households, especially if you entertain, employ contractors, or have higher overall exposure.
Additional living expenses
If you cannot live in the home after an insured loss, coverage can help with the extra costs of keeping life running while repairs are completed.
Buildings and structures
Coverage for the home as well as attached structures, and stronger handling for detached structures like coach houses, pool houses, sheds, and higher-end outdoor features.
Contents and valuables
Higher baseline contents limits and better ways to insure fine items by scheduling them properly, rather than hoping generic limits are enough.
Liability
Higher liability limits are common for higher-value households, especially if you entertain, employ contractors, or have higher overall exposure.
Additional living expenses
If you cannot live in the home after an insured loss, coverage can help with the extra costs of keeping life running while repairs are completed.
Top notch service from our experienced teams
We understand the unique complexities with higher value homes, service is everything.
Reach out today for a home quote, our high-value homes team will reach out shortly.
Key Things to Know
Extended replacement cost matters more on custom homes
With higher-end builds, the cost to rebuild can spike due to labour constraints, specialty materials, and longer timelines. Many high value programs offer stronger protection when rebuild costs exceed expectations, and can also address building code upgrade costs after a major loss.
Better claims experience and curated vendor access
Certain high value programs are built around faster coordination, specialist vendor networks, and dedicated support for complex losses. The result is usually less back-and-forth and fewer compromises on quality.
Water coverage should be intentional in Ontario
Water is often split into multiple coverages and endorsements. We'll walk you through what's included, what's optional (like sewer backup and overland water), and what deductibles and limits actually apply.
Extended replacement cost matters more on custom homes
With higher-end builds, the cost to rebuild can spike due to labour constraints, specialty materials, and longer timelines. Many high value programs offer stronger protection when rebuild costs exceed expectations, and can also address building code upgrade costs after a major loss.
Better claims experience and curated vendor access
Certain high value programs are built around faster coordination, specialist vendor networks, and dedicated support for complex losses. The result is usually less back-and-forth and fewer compromises on quality.
Water coverage should be intentional in Ontario
Water is often split into multiple coverages and endorsements. We'll walk you through what's included, what's optional (like sewer backup and overland water), and what deductibles and limits actually apply.
Essential Add-Ons We Recommend Reviewing
Not every endorsement fits every home, but these are the ones that most often separate a good policy from a frustrating one. We will recommend what matters for your property, your location, and your lifestyle.
Frequently Asked Questions
Is "high value home insurance" only about the home price?
Not really. It's more about replacement cost and complexity: custom materials, specialty trades, longer rebuild timelines, multiple outbuildings, and higher-value contents. Two homes with the same market value can have very different rebuild costs.
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