image High Value Home Insurance

High Value
House & Condo Insurance

Our high-value house insurance is exclusively designed to provide coverage for homes with a replacement value between $750,000 and $5,000,000. Your luxury home deserves an insurance policy that delivers protection and coverage that matches the value of your house and contents.

Condo owners can also apply for our luxury home protection if your condo or apartment needs contents coverage of over $150,000.

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Beautiful Home

High Value House Insurance

The Luxury Home or High Value program, designed for expensive homes valued between $750,000 and $5,000,000 contains many beneficial features. Coverage for liability, expensive jewellery, identity theft and several powerful claim protections should you need to file for a settlement are all part of our luxury home insurance policy.

If your single-family home qualifies for this policy, you’ll benefit from these advantages and more.

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Living Room

High Value Condo Insurance

Your upscale condo needs an upscale insurance policy. Your condo’s master policy only covers areas outside your walls, so it’s up to you to protect your high value condo and belongings.

Luxury condos with contents valued at over $150,000 qualify for our high value condo insurance policy containing significantly more protection than standard condo coverage at very competitive prices.

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9 Powerful Advantages
of our high value home policy

House Only

  • Claims Settlement – No “Same Site” Restriction

    When a house is destroyed, almost all other insurance policies obligate the policy holder to rebuild on either the same site or the adjacent site. But with Harbord’s High Value Home Policy, this restriction doesn’t exist and the policy holder can rebuild where they like. The choice would be yours.

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  • Claims Settlement – Cash Payout on the House

    There’s another way that Harbord’s High Value Policy allows for a way of settling claims when a house is destroyed that’s far more flexible and fair than the industry norm. Here’s how it works. If you didn’t want to rebuild, the only cash settlement offered under the terms of most other policies would be based on quite a lot less than what it would cost to rebuild. But with Harbord’s High Value Home Policy, if you didn’t want to rebuild you could take a cash payout equal to the full amount that it would cost to rebuild. You could then do whatever you wanted with that money; perhaps use some of the cash to buy a smaller house or condo and use the money left over however else you wanted. The point is that the choice would be yours.

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  • Mortgage Rate Protection

    If your home were destroyed, your lender might “call in” your mortgage. If you then had to arrange a new mortgage at a higher rate, your Luxury Home policy would pay the difference between the old and the new rate on the balance of your outstanding mortgage. Very few other Home Insurance policies provide any mortgage rate protection at all.

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House & Condo

  • Liability Coverage

    Most other policies limit their liability coverage to one or two million dollars but Harbord’s High Value Policy provides $5 million in liability coverage. And the coverage is broader too. For example, it protects you if you’re sued for slander or if a worker is injured at your home. Most policies don’t.

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  • Claims Guarantee

    In the rare case that your claim cannot be resolved to your satisfaction you will receive a cheque in the amount of your annual premium. Claims service is available 24 hours a day, 7 days a week.

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  • Jewellery

    With most companies, insuring jewellery is so difficult and expensive that you don’t even want to bother because you have to get each item appraised and then you’re charged an exorbitant rate to list or “schedule” each item separately. But with our High Value Home Policy, having your jewellery insured is easy. No appraisals, no lists, no schedules. That’s because jewellery is automatically covered to a way higher limit than almost all other policies. And, as long as your jewellery falls within a $50,000 limit that also includes furs, there’s no extra charge.

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  • Wine

    Whereas most policies don’t provide any coverage at all for wines, our High Value Home Policy provides coverage for losses to wine at your home, including breakage, up to the replacement cost of $10,000.

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  • Identity Theft

    Most other home insurance policies, if they provide any protection at all against identity theft, limit that protection to $10,000. With Harbord’s High Value Home Policy, you’re insured against identity theft up to a limit of $30,000.

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  • Claims Settlement – Cash Payout on Contents

    The terms of almost all other insurance policies obligate you to replace destroyed or stolen possessions. If you don’t want to replace some or all of them, the cash settlement offered would be based on quite a lot less than full replacement cost. But with Luxury House Insurance policy, you could just take a cash payout equal to the full replacement cost of your possessions, without any deduction for depreciation. Once you’ve got the cash, then you can decide what you’d like to do with it.

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What our Clients are saying

Kris Neely

Kris Neely

5
December 20, 2021
I can't speak highly enough about Maggi Clark -- she was a lifesaver when we recently moved house and needed insurance. At a very stressful time she was responsive, gave us clear information and helped to simplify the whole process. I would give her 10 stars if I could!
Andy Roy

Andy Roy

5
November 30, 2021
Aliehs was patient with us and took the time to provide us with options for coverage on a property that is in an unprotected area of the gulf islands, BC. She got us a great policy at one of the best prices we have seen in more than the last 3 years. We feel well protected, well aware of the risks and are sure to return next year for Harbord continued great service. Thanks Aliehs for getting us a great policy well before the expiry of the exisiting policy.
Jackie and Gordon

Jackie and Gordon

October 20, 2021
Raman met us outside, immediately seated us and very clearly (we're seniors) explained what was available. She was friendly, patient with our questions and misunderstandings, took charge when required, and offered all possible options with explanations of each. We feel we are in very competent, caring hands, which is a major bonus in our world today! We also dealt with Kim, at our request, regarding moving our home insurance policy to your company, when it expires next June in order to keep all policies in one place. She too took time to explain options, answered questions expertly and said she would contact us when appropriate next year to transfer the policy. They were both a real pleasure to deal with! We look forward to many years of association with Harbord going forward. Even though we're "small fish" in the Harbord insurance pool, we were treated with respect throughout. And we will tell others.
Gary Bartanus

Gary Bartanus

5
October 07, 2021
When it was time to renew our property insurance, I decided to shop around a bit to find out if there were lower rates available. Luckily, my first call to Harbord was immediately directed to Maggi Clark. Not only did she provide us with a quote that was significantly lower than our renewal premium with our old company, she went over and above by checking into a number of questions that I had about drone and bicycle insurance, etc. Once we decided to go ahead with Maggi's quote, she made it super easy to finalize everything and secure our policy. Maggi is clearly very experienced with insurance and, best of all, she is a delight to speak with. Very professional and friendly at the same time! We will probably just stay with Harbord - and Maggi Clark - for all future insurance needs.
Jo Young

Jo Young

5
October 03, 2021
I was attended to by Kimberly L, highly recommend from the service, information and best quotes provided I think Harbord Insurance is one of the best. Thanks Kim for your knowledge, professionalism with all my questions and giving me the best quotes.
Lydia Byram

Lydia Byram

5
August 24, 2021
Juliet Coates was such a great help. She went over and above to help us get our home insurance. As a first time home buyer she was super helpful, informative and professional. Highly recommend her for all you insurance needs.
Sylvie Lafrenière

Sylvie Lafrenière

5
May 16, 2021
We are very happy to have made the move to Harbord Insurance. After much frustration with our previous insurer, we got great service, great value, excellent communication. Thank you Juliet Coates! Jay and Sylvie
Jason Burwash

Jason Burwash

5
May 13, 2021
Thought I would try out Harbord Insurance for my home as I received a recommendation from a family member, wasn't getting the personal touch with my current provider of 12 years. Right out if the gate I felt way more at ease and comfortable dealing with the broker and the experience of acquiring an "insurance quote" wasn't as painful and negative as previous years, plus I saved some money! Would highly recommend reaching out as Harbord Insurance as an option as they made me feel comfortable and confident without the high pressure but with professionalism, personality and interest with what best suited my needs.
Katy Milne

Katy Milne

5
May 10, 2021
I have been a customer with Harbord through a few house changes and I have never had any problems. Renewing each year is really easy, you don't even really need to do anything! They have a variety of discounts available and I've found them to be very reasonably priced. Maggi has been my saving grace on many occasions and is a big reason why I continue to be a customer. She helped me through buying and insuring my own condo a few years ago after a trying personal situation. She fielded many questions from me while looking for our current house with respect to insurability of things like poly B and other things lurking on home inspections. She is quick to respond, thorough and I trust her completely to help me figure out any insurance questions or challenges that I have. I am always very relieved when I hear her voice on the phone! Would recommend Harbord and especially Maggi to anyone. Thank you Maggi!
Karen Swain

Karen Swain

5
May 03, 2021
I have been getting my insurance needs met and exceeded through Harbord Insurance for over a decade. I primarily work with Kimberley, and I have always had fantastic service with great attentional to details that meet my personal insurance needs. I have, on some occasions, dealt with other Harbord staff as well, and have had fantastic experiences with the company as a whole. Service is fast, convenient, highly professional, thorough and comprehensive. Explanations and suggested adjustments have always been presented in a way that is easily understood, and clearly shows the benefit to my personal policies. I have been overly pleased with the care I receive at Harbord, and I am quick to recommend them to any of my friends and/or family looking for insurance.

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