High Value Home Insurance offers replacement value, more coverage than traditional, and higher limits. Replacement value is significant as it would literally replace your home from the ground up if it was devastated by fire, weather events or other dangers. This type of insurance is largely custom-made to your specifications and factors in design features, expensive contents and the higher-than average value of your building. What constitutes a higher-than-average value? It varies, but generally speaking, it is homes or condos worth at least $750,000 in replacement cost.

High Value Home Insurance differs from traditional home insurance in its robust offerings. Higher limits are available for money, jewellery, landscaping, personal treasures and business-use items. There is also a broader range of items like antiques, art works or wine collections that can be covered. And additional living expenses are unlimited, meaning that when you are having renovations done, you can live anywhere that is up to your standard, and it allows you time to find the right architects and builders. Standard home insurance limits additional living expenses.

Coverage is available for detached structures such as pool houses, barns, sheds and more.