Faq

Yes, in many cases. Most policies protect your personal property, like a laptop or bike, even if it’s stolen from your car or elsewhere.

Yes. The strata policy covers the building, not your belongings, upgrades, or personal liability. Your own policy fills these crucial gaps.

Your personal liability coverage is designed for this. It helps cover the costs of the damage to your neighbour’s unit if you’re found responsible.

Yes, if it’s for a covered loss. Our policies include loss assessment coverage to help you pay your share of these unexpected, costly bills.

They can be. We tailor your policy to include the value of your specific upgrades and improvements, which the strata’s insurance won’t cover.

Your policy includes additional living expenses. This covers costs like hotel stays and meals while you are temporarily displaced from your home.

Yes, your personal property is typically covered against theft even when it’s temporarily away from your condo, subject to your policy limits.

We typically recommend at least $1 million, but often suggest more. We will help you assess your personal risk to choose the right amount.

Standard policies often have coverage caps that fall short of the true cost to rebuild a luxury or custom home. High-value insurance is designed to cover this gap, ensuring you can rebuild without compromise.

Often, they are not fully covered under a standard policy. We specialize in policies that offer higher, specific limits for valuables and can even provide worldwide coverage, protecting them wherever you are.

Market value is what your home would sell for, while replacement cost is the actual price to rebuild it with similar quality materials and craftsmanship. We insure for replacement cost to properly protect you.

Yes, we highly recommend it. Features like pools, extensive grounds, or hosting events increase your liability risk. We ensure your coverage is sufficient to protect your assets from a major lawsuit.

It means you get a dedicated, high-touch level of service. If you need to make a claim, you’ll work with a dedicated expert who manages the process for you, ensuring a swift and stress-free resolution.