Who we can help
A closer look at your exposure.
Individuals and families, homeowners, tenants, vehicle owners and clients with cottages or high-value possessions.
Your home, vehicles, seasonal property and valuables do not stay the same from year to year. Renovations, rentals, new purchases and changes in use are reasons to revisit your cover.
What to discuss with your broker
Home & high-value property
Review rebuilding costs, contents, liability, water exposures and features that need specialist attention.
Personal auto
Discuss drivers, vehicle use, coverage options and changes such as business use or a new household driver.
Cottages & seasonal homes
Review access, winter use, heating, rental activity, outbuildings and periods of unoccupancy.
Jewellery & collections
Consider itemized or specialist protection for jewellery, art, watches and other valuables.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- Addresses, property details and recent updates
- Vehicle and driver information, including how each vehicle is used
- Current policies, renewal dates and recent claims
- Valuations for jewellery, art and other significant possessions
A question worth asking
Should I tell my broker before renovating or renting my home?
Yes. Renovation work, vacancy and short-term or long-term rentals can change an insurer’s assessment. Contact your broker before the change begins.