High-Value Home Insurance in Québec

High-Value Home Insurance

The Best Protection for Your High-Value Home

As a high-value homeowner in Québec, you want to protect your investment at all costs. A high-value home insurance policy guarantees replacement cost for your home after an insured loss, compensation for high-value personal items inside your home, and additional options for your luxury abode.

Protect your dream home

How Does High-Value Home Insurance Protect you?

A high-value home insurance policy can be customized to fit your specific needs as a homeowner. This type of insurance covers the replacement cost of your home in case of damage from a fire or another peril. High-value home insurance can also cover higher priced items in your high-end home.  

What is the difference between a Standard and a High-Value Home Insurance Policy?

A standard home insurance policy often has limits that do not cover the replacement cost of high-value homes and their contents. So, it’s essential to have sufficient coverage that matches the value of your home and its contents to avoid a financial loss. Also, both types of home insurance coverage can be bundled with an auto insurance policy to help reduce your home insurance rate.  

High-Value Home Insurance Policy

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Coverage for High-Value Home Insurance

Higher policy limits

Provides higher levels of coverage.

Contents insurance

Protection for your valuables (jewelry, silverware, more).

Personal liability insurance

Includes legal fees, covers unintentional third-party damage and bodily injuries.

Additional Coverage Options for High-Value Homes

If you want additional protection for your home and its attached structures, your insurer may offer you unlimited living expenses, equipment breakdown coverage, extended umbrella coverage, and added water damage protection. As many insurers have different coverage options and no one home is the same, it’s always a good idea to speak to one of our skilled home insurance brokers to ensure your policy satisfies your needs as a high-end homeowner.

What is Replacement Cost and How Does it Impact Your Premium?

The replacement cost is the rebuild dollar amount of your home if your home needs to be built from the ground up after an insured claim. The replacement cost of your home determines your insurance rate.

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High-Value Home Insurance in Québec

How the Cost Impacts your Premium

The replacement cost of your home determines your insurance rate (your premium). The higher the value of your home, the higher your premium.  

Common Claims 

Common claims for high-value home insurance policies include fire, severe weather, theft, and other perils.  

Serving your High-Value Home Insurance Needs for 50 Years

Our Brokers Go the Extra Mile

Our brokers go the extra mile to find policy options that suit your home insurance needs.

Insurer Partnerships Get You Competitive Rates

We are fortunate to have 10 insurer partners to help us find competitive rates and policy options for our dedicated customers.

More than 50 Years of Excellent Service

Since 1965, Ciccarello Assurances has provided clients with reliable insurance.

We Are AMF-Certified

As an AMF-certified insurance brokerage, we provide superior service to our customers living in Québec.


Generally, homes valued at 750,000 and over qualify for high-value home insurance. Speak with one of our home insurance brokers to discover an insurance policy that suits you and your home.

If your high-value property is unoccupied or periodically occupied, the nature of your insurance policy may change. Our expert brokers will guide you through the exact coverage that matches your situation. 

The monthly insurance premium for your high-value home insurance will depend on the replacement cost of your home, the extent of coverage you choose, the value and nature of your covered possessions, and other factors like your claims history and your home’s location.

There are many ways you can plan to save on your high-value home insurance premium, including bundling your home and auto insurance policies, increasing your deductible amount, and installing security systems in your home. Ask one of our Ciccarello brokers what is the best option for you based on your home and your finances.

Competitive Rates, Impeccable Service

Don’t leave your most valuable assets at risk; let Ciccarello Assurances give you the peace of mind you deserve. Our team of experienced professionals will work closely with you to create a customized insurance plan that fits your unique needs and budget.

Ciccarello Assurances - Head Office
  • 5993, rue Jean-Talon E. suite 202
    Montréal (Québec) H1S 1M5

  • (514) 253-8960

Ciccarello Assurances - Laval
  • 5305 Notre-Dame Blvd, suite 208
    Laval (Québec) H7W 4T8

  • (514) 253-8960

Ciccarello Assurances - Lasalle