Our High Value Home Insurance Product

From construction to habitation, our VIP product line provides competitively priced packages with exceptional wordings for high quality homes valued at $1,000,000 and higher. This even includes high value homes in unprotected areas. We also have stand alone options available for high value Course of Construction homes, as well as Vacant Dwellings.

Personal Umbrella Policies are also available to cover all your client’s liability needs including properties, automobile, excess underinsured motorist protection (UMP), watercraft, and toys.

Highlights of our High Value Home Insurance product include:

  • Guaranteed Replacement Cost, or Replacement Cost if the option to rebuild is declined

  • Replacement Cost on Personal Property with no obligation to replace

  • Full Bylaw Coverage, over and above the Building limit
  • Unlimited Bicycles and Student Personal Property

  • Identity Theft Coverage

  • Personal Liability limit of $2,000,000 with option to increase

Quoting for High Value Homes:

To obtain a Quick Quote, complete one of the forms below and email to niche@guardianrisk.com.
Note that a fully completed CSIO application and RCT or equivalent will be required for binding.

Quick quote PDF
Product Information Sheet