Insurance Tips
Three Reasons You Should Always Buy Travel Insurance
Travelling should be a fun and exciting experience. Exploring new places and learning about different cultures and histories is always interesting. However, while travelling is
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 its contents.
Condo owners can also apply for our luxury home protection if their condo or apartment needs contents coverage of over $150,000.
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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 jewelry, 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.
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 jewelry, 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.
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.
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.
Most other policies limit their liability coverage to one or two million dollars. Still, 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.
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 wanted to avoid rebuilding, the only cash settlement offered under the terms of most other policies would be based on much less than what it would cost to rebuild. But with Harbord’s High-Value Home Policy, if you wanted to avoid rebuilding, you could take a cash payout equal to the total amount it would cost. You could do whatever you wanted with that money; use some cash to buy a smaller house or condo and use the money left over however else you wanted. The choice would be yours.
If your home were destroyed, your lender might “call in” your mortgage. If you 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.
Most other policies limit their liability coverage to one or two million dollars. However, 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.
If 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.
With most companies, insuring jewelry is so complex and expensive that you don’t even want to bother because you must appraise each item. Then you’re charged an exorbitant rate to list or “schedule” each item separately.
But with our High-Value Home Policy, having your jewelry insured is easy. No appraisals, no lists, no schedules. That’s because jewelry is automatically covered to a way higher limit than almost all other policies. And, as long as your jewelry falls within a $50,000 limit that includes furs, there’s no extra charge.
Whereas most policies don’t provide any wine coverage, our High-Value Home Policy covers losses to wine at your home, including breakage, up to the replacement cost of $10,000.
Most other home insurance policies, if they provide any protection 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.
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 would be based on much less than the full replacement cost.
But with a Luxury House Insurance policy, you could take a cash payout equal to the total replacement cost of your possessions without any depreciation deduction. Once you’ve got the cash, you can decide what to do with it.
I had an excellent experience renewing my insurance. Annika was exceptionally warm, friendly and helpful.
In reply we would like to let you know that Charles was super. We handed him a situation that I do not think he had seen before and he made a great job of sorting it out. Thanks again to him.
Served by Charles at your Sidney branch yesterday. He was knowledgeable, efficient and quick, making this a very pleasant customer experience.
The experience was good with an exceptionally helpful, good natured representative, Kayin.
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