Higher-value, luxury homes need specialized home insurance because of their contents, customization, and features. Prestige Plus offers all of the coverage you need.
Is Prestige Plus Home Insurance Right for your Luxury Home?
Prestige Plus is the optimal coverage solution for your home if you:
- Own a single-family home, valued at $750,000 or greater, with customized features
- Use your dwelling as your private residence
- Have collections of art, antiques, wine, and/or jewellery
- Have a complete monitoring system for fire and burglary
- Would benefit from Legal Advice and Insurance
- Need coverage for mechanical breakdown of whole-home computer systems and high-end appliances
- Want the satisfaction of our award-winning, individualized claim service
What are the Benefits of Prestige Plus Home Insurance?
This completely customized coverage package includes all of the extended coverage and services you need to protect your home, including:
- Increased/Special Limit Coverage for:
- Fine art and collectibles
- Wine collections
- Lock replacement
- Home Equipment and Mechanical Breakdown coverage for your home’s mechanical systems such as whole-home computer systems and high-end appliances
- Legal Advice and Insurance coverage for legal expenses such as employment or contract disputes, legal defense, bodily injury, property protection and tax investigations
- Identity Theft coverage of up to $25,000 to assist with identity theft recovery expenses
- Enviroguard coverage, which pays an additional 10% above the claim amount of up to a maximum of $50,000 to replace damaged property with more eco-friendly and sustainable products
- Guaranteed Replacement Cost, which covers the actual cost of replacement of your dwelling even if it is greater than 100% of your limit of insurance
- No obligation to rebuild; if you choose not to replace your dwelling after a loss, you will receive the actual rebuilding cost up to the policy limits
- No deductible if the claim is over $50,000
- Increased Liability coverage that provides coverage for your employees such as nannies in case of accidental injury or death while they are working for you
We recommend completing the Prestige Plus needs analysis tool below. This will better assist both yourself and your advisor with determining your home insurance needs. Once completed, take a moment to review the comparison chart which outlines the key differences between our Comprehensive coverage and Prestige Plus.
We are committed to ensuring all of our clients have the right protection for their homes in case of the unexpected. Connect with us today for all of your home insurance needs.