Owning a luxury home is more than just having a beautiful address; it’s a lifestyle, a heritage, and a commitment to quality. Such exceptional properties require coverage that matches their value. Traditional insurers are often not equipped to effectively meet the unique needs of a luxury home.
At J. Gérard Fortin & Associés, we understand that each high-end property is unique. That’s why we work with specialized insurers who offer tailor-made protections. You benefit from a professional evaluation of your residence, expanded coverage for your valuable assets, and VIP claims service, no matter where you are in the world. This type of insurance provides peace of mind that matches your lifestyle.
Insuring a luxury home isn’t just about coverage amounts. It’s a personalized approach where every detail matters. The experts at J. Gérard Fortin & Associés assist you in selecting protections best suited to your situation and valuable assets.
Depending on your needs and the type of residence, several aspects can be covered by specialized insurance.
An expert visits your property to assess the reconstruction value, examine your home’s features, and provide personalized safety recommendations.
In the event of a major loss, you could be reimbursed beyond the initially agreed amount for your building, under certain conditions.
You are not required to rebuild at the same location or replace your belongings. Some policies allow you to receive a cash settlement, depending on the contract terms.
Your artwork, antiques, collectibles, rare wines, and other luxury items can benefit from protections specific to their nature and actual value.
You have the option to increase your limits beyond $2 million with an additional policy for even more comprehensive coverage.
24/7 access to assistance, rapid and discreet claims management, and in some cases, an advance of funds before the final settlement.
You can insure your cottage or vacation property with the same high standards as your primary residence.
Tenants and co-owners, simplify your claims process by opting for the online inventory of belongings, accessible from your computer, tablet, or phone. This simple and practical tool lets you easily list your belongings and estimate their actual value.
Why keep your inventory up to date ?
You are better prepared in case of loss, theft, or damage.
You greatly simplify the claims process.
You can more accurately assess the value of your assets.
You clearly identify your home insurance needs.
You can then discuss your coverage with your broker if adjustments are needed.
Sign up now and get one year of free service. To take advantage, contact an expert at J. Gérard Fortin & Associates.
To learn more about how to properly complete your inventory: Read our article
Download your inventory form here: Inventory Form
If the situation requires, first contact emergency services (firefighters, police, etc.) to ensure the safety of the premises. Then promptly contact your insurer via their 24-hour emergency hotline. They will open your claim file and ask you questions about the event. Please answer thoroughly.
If the situation requires, first contact emergency services (firefighters, police, etc.) to ensure the safety of the premises. Then quickly contact your insurer via their 24/7 emergency line. They will open your claim file and ask you questions about the incident. Please provide complete answers.
Call 911 immediately to request police assistance. An officer will come to the scene to assess the situation and prepare an incident report. Filing a report with the authorities is mandatory for any insurance claim. This report will serve as essential evidence in processing your claim.
Make sure the premises are safe before taking action. Turn off the electricity and, if necessary, the water supply. Act quickly to minimize damage by allowing emergency work such as pumping or drying. Do not clean without professional advice to preserve the evidence needed for the assessment.
Make sure the premises are safe before taking action. Turn off the electricity to prevent any risk. Act quickly by authorizing emergency work such as tarping the roof or boarding up broken windows. Do not clean without professional advice to preserve the evidence needed for the assessment.
Once you have obtained the police report, promptly contact your insurer via the 24/7 emergency hotline. The insurer will open a claim file and ask you questions about the circumstances of the theft. Provide as precise and complete information as possible to help facilitate the assessment of your claim.
Take detailed photos and videos of the damage, both inside and outside, including flooded areas, leaks, and mold. Keep all invoices for emergency expenses such as pumping, drying, repairs, cleaning, temporary accommodation, and replacement of belongings. These documents will help support your claim.
Take detailed photos and videos of burns, soot, charred areas, and damage caused by smoke or extinguishing water. Keep all invoices related to emergency expenses such as accommodation, essential clothing, specialized cleaning, urgent repairs, and infrastructure work. These documents will help support your claim.
List the stolen items with as much detail as possible: descriptions, estimated values, purchase receipts, or photos if available. This step will help the insurer assess your losses. The adjuster may also request additional documents or visit the site to verify the damages. These documents will help support your claim.
Yes, some policies may include outdoor features such as pools, outdoor kitchens, tennis courts, or landscaped gardens, provided they are declared when purchasing the policy. Our experts ensure these elements are taken into account in your coverage.
Absolutely. Many specialized insurers offer bundled products for clients who own multiple high-value assets. This can include luxury vehicles, artworks, or boats. Bundling often simplifies management and can sometimes result in savings.
Yes, some companies require minimum security measures such as certified alarm systems, video surveillance, or on-site security personnel. The evaluator can also advise you on improvements to maximize your protection and eligibility.