Elevated protection for your high-value home
Your home may feature custom architecture, premium materials, advanced systems and valuable possessions that require more than standard coverage. Our experienced advisors can help protect your residence, belongings and lifestyle with insurance tailored to the way you live.
Coverage designed around your home
Key areas of luxury home insurance coverage
Luxury and high-value homes can have complex rebuilding requirements, distinctive features and collections that exceed the limits of a standard home policy. We can help arrange broader protection based on your property's construction, replacement cost, location, contents and risk profile.
Personal property
This provides protection for losses or damage to personal belongings in your rental unit like furniture, electronics, appliances, or clothing when there’s an incident such as a fire or theft.
Personal liability
Provides base protection under your home policy if you are held legally responsible for eligible bodily injury or property damage to others, including covered legal defence and settlement costs.
Sewer backup coverage
This optional coverage add-on protects you from sewer backups, failed sump pumps, and related drainage issues.
Dwelling and extended replacement cost
Helps repair or rebuild your home after an insured loss, with enhanced settlement options that may account for custom construction, premium materials, specialized trades, increased rebuilding costs and required bylaw upgrades.
Detached structures and landscaping
May cover eligible guest houses, pools, gates, outdoor kitchens, landscaping and other structures or features on your property, subject to policy limits and terms.
Personal belongings and collections
Provides higher limits for eligible furniture, clothing, electronics and other possessions. Jewellery, fine art, wine, watches and collectibles may need to be scheduled separately for broader protection.
Additional living expenses
This covers the extra expenses incurred when your home is deemed unlivable after a covered loss or if you are forced to evacuate from your home. No restrictions or limits so you can continue to maintain your existing lifestyle.
Partial loss
In the event of only a part of your home is damaged, this ensures all materials are matched with the originals and could even replace undamaged materials, if needed, to ensure consistency.
Identity theft and personal cyber protection
Depending on the insurer, optional protection may provide support and reimbursement for eligible identity theft, cyber fraud, data restoration and online security incidents.
Protection beyond the property
Additional coverage for a distinctive lifestyle
A tailored policy can extend beyond your primary residence and everyday belongings. Depending on your insurer and needs, optional coverage can help protect valuable collections, secondary residences and the broader personal risks associated with your lifestyle.
Fine art, jewellery and collectibles
Scheduled coverage may provide broader protection and agreed-value settlement for eligible high-value items, supported by current appraisals where required.
Secondary and seasonal residences
Coordinated coverage may be available for eligible cottages, vacation properties and other residences, helping provide consistent protection across your portfolio.
Excess personal liability
Provides higher limits above eligible home and auto policies once their liability limits are exhausted, helping protect against significant claims that exceed the base coverage.
The Navacord advantage
Expert guidance backed by national strength
We create comprehensive insurance plans that are unique to you and your insurance needs in collaboration with top-tier high-value home insurance providers.
