Luxury home insurance
Your home reflects your lifestyle and is a shelter for your loved ones. It is a place where you can be yourself and feel safest. You’ve chose your home very carefully for its unique features, for the charm of its neighborhood, for the peace and quiet. That’s why Malouin Assurance offers customized protection to reflect the uniqueness of your world and your needs.
General Insurance | Luxury home insurance
A privileged relationship with your broker
But if something bad were to happen, such as a burglary, you need to be able to count on a VIP service. For any disaster, from fire to water damage, you will have our full and immediate attention.
In conversation with your broker, various questions will be addressed for an insurance plan that meets your expectations.
An appraisal of your property can be a very effective tool in the event of a claim. This detailed document includes information on the features, materials or handiwork performed on your home. It is a testament to the uniqueness of your home and is completed by experts in high-end property appraisals.
Our team of brokers can suggest professionals to carry out this specialized work.
“À la carte” protection
Different realities? Different options!
Talk to a broker now to find out which coverage is right for you.
«Replacement cost» option
This protection is ideal for rebuilding your entire home should it be destroyed by fire, natural disaster, or any other cause.
«Agreed value» option
This policy allows you to protect your luxury residence according to a value agreed upon between you and your insurer. There will be no depreciation in the event of a claim.
Are you an art collector? Do you have a valuable wine cellar ? Have you brought back irreplaceable souvenirs from your travels? Do you own luxury automobiles? Do you own valuable jewelry or furniture?? Do you own a secondary residence outside of Canada? Your broker can advise you on how to protect your valuable items.
Mortgage life insurance
Legal expenses insurance
Equipment Breakdown Insurance
How can I protect my home?
Of course, ideally, you’d rather never have to make a claim. To protect your luxury home as best as possible, a security system linked to a central station is recommended. Motion detectors or contact detectors can add significant protection. You may also want to simulate a presence thanks to home automation.
Why should I have my house appraised?
A detailed appraisal report produced by an expert is a valuable asset. It will include a detailed description of your home, highlighting its uniqueness. In the event of a claim, such an evaluation can be very useful.
How do I insure my secondary residence?
Your seasonal residence, your country house, your haven of peace should benefit from the same protections as your main residence. You should always be able to visit it without fear of unpleasant surprises. Take advantage of your broker's advice to insure it adequately, and to provide it with the protection it deserves.
What is replacement cost coverage without obligation to rebuild?
The replacement cost without an obligation to rebuild clause allows you to forego rebuilding your home in the event of a major disaster. This gives you the freedom to cash in on your policy.
Are you eligible for the replacement cost clause without obligation to rebuild?
The best way to find out is to discuss it with your Malouin broker: contact us now!
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