High-Valued Homes | Guardian Risk Managers

High Value Homes

Designed for homes valued between $500,000 & $5,000,000.

Commission paid to sub-brokers: 15%

This program is designed for high quality homes with good claims records. This is not a market for "distressed" business or "special risk" type accounts. This is a competitively priced product, with exceptional wordings.

To obtain a quotation, download our quick quote form and email or fax it to the underwriter.

Quickquote Word format, click HERE

Quickquote PDF format, click HERE

To Bind, we will need:

Fully completed CSIO application, with details on all owners on title, occupations, dwelling details, updates and coverages requested. Accurately completed RCT or equivalent. Detailed loss history where applicable.

Limits of Coverage	Amount
Dwelling Amount	100% + GRC to a max of $5,000,000.
Detached Structures	10% of dwelling amount
Contents	80% of dwelling amount
Additional Living Expenses	20% or dwelling amount
Liability	$5,000,000
Minimum Deductible	$1,000

Special Limits of Coverage	Coverage Amount
Identity Theft Coverage	$25,000
Jewelry Limit (with options to increase)	$10,000
Money, banknotes & bullion	$1,500
Securities	$7,500
Manuscripts	$5,000
Watercraft & equipment (restrictions apply)	$5,000
Animals, birds or fish	$2,000
Coin Collections	$5,000
Stamp Collections	$5,000
Fur Garments or trimmed	$7,500
Business Property while on premises	$25,000

Discounts to a maximum of 50%	Discount Percentage
Mature Discount: + 50 & + 60	15% - 20%
New Home: 0 - 10yrs or 11-14yrs	15% - 20%
Claims Free Discount: 3 - 4 years	10%
Claims Free Discount: 5 - 9 years	15%
Claims Free Discount: 10+ years	20%
Mortgage Free Discount:	15%
Alarm Discount: Local	5%
Alarm Discount: Monitored	15%
Increased Deductible: $2,000 - $5,000	5% - 20%
Reduced Contents: 70% - 40%	5% - 20%