Property coverage
High value homes.
Above a certain point the standard market stops fitting, and the sub-limits inside an ordinary policy start doing real damage.
What it covers
The parts worth getting right.
- Guaranteed or extended replacement cost
- Scheduled jewellery, art and collections
- Higher liability limits, and umbrella coverage above them
- Cash settlement options if you choose not to rebuild
Commonly missed
Ordinary policies cap categories like jewellery at a few thousand dollars regardless of your overall limit. Items above that need scheduling by name.
Get a QuoteWorth knowing
An ordinary policy caps jewellery at a few thousand dollars, no matter how high your overall limit is.
Common questions
Asked most about this.
What has to be scheduled?
Anything above the category sub-limit: jewellery, watches, art, wine, collections. Listed by name, usually with an appraisal.
What is guaranteed replacement cost?
The insurer rebuilds even if it costs more than the stated limit. It is the main reason the high value market exists.
More property coverage
Also under property.
Home insurance
The policy most people never read until they need it.
See coverageCondominium insurance
What the corporation does not cover is your problem.
See coverageCottage and seasonal
A second property is not a second bedroom.
See coverageTenants and rentals
For renters, and for landlords.
See coverage
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