{"id":20178,"date":"2018-09-21T14:18:42","date_gmt":"2018-09-21T18:18:42","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/high-value-home-insurance\/"},"modified":"2026-06-26T00:56:20","modified_gmt":"2026-06-26T04:56:20","slug":"high-value-home-insurance","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/high-value-home-insurance\/","title":{"rendered":"High-value home insurance"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/assurance-habitation-de-haute-valeur\/#article\",\"headline\":\"High-Value Home Insurance in Quebec: Tailored Coverage for Prestige Residences\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/assurance-habitation-de-haute-valeur\/\",\"datePublished\":\"2018-09-21T14:18:42\",\"dateModified\":\"2026-04-19T16:00:00\",\"image\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/og-assurance-habitation-haute-valeur.jpg\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Jean Boissonneault is a property and casualty insurance broker with over 30 years of experience in Quebec and the owner of Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Property and Casualty Insurance Broker License\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"AMF (Autorit\u00e9 des march\u00e9s financiers)\",\"url\":\"https:\/\/lautorite.qc.ca\"}}},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"width\":200,\"height\":60}},\"inLanguage\":\"fr-CA\",\"isPartOf\":{\"@type\":\"WebSite\",\"url\":\"https:\/\/www.assur360.ca\",\"name\":\"Assur360\"},\"description\":\"Tailored coverage for prestige residences in Quebec: agreed value, art objects, wine cellar, high liability. AMF broker advice + free quote.\"}\n<\/script>\n\n<style>#ez-toc-container{display:none!important}\n.a360-hv-hero{background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;border-radius:16px;margin:0 0 32px}\n.a360-hv-hero .badge{display:inline-block;background:rgba(16,196,199,.15);color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;padding:6px 14px;border-radius:999px;margin-bottom:14px}\n.a360-hv-hero h1{color:#fff!important;font-size:34px;font-weight:800;margin:0 0 14px;line-height:1.25;border:none;padding:0}\n.a360-hv-hero p{color:#cbd5e1;font-size:17px;line-height:1.6;max-width:800px;margin:0 auto 24px}\n.a360-hv-hero p strong{color:#10c4c7}\n.a360-hv-btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}\n.a360-hv-btn-teal{display:inline-block;background:#10c4c7;color:#fff!important;padding:14px 28px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px}\n.a360-hv-btn-teal:hover,.a360-hv-btn-teal:visited,.a360-hv-btn-teal:focus{color:#fff!important;background:#0ea5a8;text-decoration:none}\n.a360-hv-btn-outline{display:inline-block;background:transparent;color:#fff!important;padding:14px 28px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;border:2px solid #fff}\n.a360-hv-btn-outline:hover,.a360-hv-btn-outline:visited,.a360-hv-btn-outline:focus{color:#0d1f2d!important;background:#fff;text-decoration:none}\n.a360-hv-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;margin:0 0 32px;text-align:center}\n.a360-hv-stats .num{color:#10c4c7;font-size:28px;font-weight:800;line-height:1}\n.a360-hv-stats .lbl{color:#64748b;font-size:13px;margin-top:6px}\n.a360-hv-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:24px 0}\n.a360-hv-card{background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:20px}\n.a360-hv-card h3{color:#0d1f2d;font-size:17px;margin:0 0 8px;border:none;padding:0}\n.a360-hv-card p{color:#475569;font-size:14px;line-height:1.55;margin:0}\n.a360-hv-conseil{background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:28px 0;color:#fff}\n.a360-hv-conseil h3{color:#10c4c7;font-size:18px;margin:0 0 10px;border:none;padding:0}\n.a360-hv-conseil p{color:#cbd5e1;font-size:15px;line-height:1.6;margin:0}\n.a360-hv-conseil a{color:#10c4c7;text-decoration:underline}\n.a360-hv-table{width:100%;border-collapse:collapse;margin:20px 0;font-size:14px;border-radius:8px;overflow:hidden}\n.a360-hv-table th{background:#0d1f2d;color:#fff;padding:12px;text-align:left;font-weight:700}\n.a360-hv-table td{padding:12px;border-bottom:1px solid #e2e8f0;color:#334155;vertical-align:top}\n.a360-hv-table tr:nth-child(even) td{background:#f8fafc}\n.a360-hv-eeat{background:#f0fdfa;border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px;text-align:center}\n.a360-hv-eeat .v{color:#10c4c7;font-size:24px;font-weight:800}\n.a360-hv-eeat .l{color:#334155;font-size:13px;margin-top:4px}\n.a360-hv-cta-final{background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:50px 30px;border-radius:16px;text-align:center;margin:40px 0}\n.a360-hv-cta-final h2{color:#fff!important;font-size:28px;margin:0 0 12px;border:none;padding:0}\n.a360-hv-cta-final p{color:#94a3b8;font-size:16px;max-width:680px;margin:0 auto 24px;line-height:1.6}\n.a360-hv-faq details{background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin:0 0 10px;padding:0}\n.a360-hv-faq summary{background:#f8fafc;color:#0d1f2d;font-weight:700;padding:14px 18px;cursor:pointer;font-size:15px;border-radius:8px}\n.a360-hv-faq details[open] summary{border-radius:8px 8px 0 0;border-bottom:1px solid #e2e8f0}\n.a360-hv-faq .a{padding:14px 18px;color:#334155;font-size:14px;line-height:1.6}\n@media (max-width:760px){\n  .a360-hv-hero h1{font-size:26px}\n  .a360-hv-stats{grid-template-columns:repeat(2,1fr)}\n  .a360-hv-cards{grid-template-columns:1fr}\n  .a360-hv-eeat{grid-template-columns:1fr}\n  .a360-hv-cta-final h2{font-size:22px}\n}\n<\/style><div class=\"a360-hv-hero\"><div class=\"badge\">PRESTIGE RESIDENCE \u00b7 QUEBEC<\/div><h1><span class=\"ez-toc-section\" id=\"High-Value-Home-Insurance-in-Quebec-Tailored-Coverage-for-Prestige-Residences\"><\/span>High-Value Home Insurance in Quebec: Tailored Coverage for Prestige Residences<span class=\"ez-toc-section-end\"><\/span><\/h1><p>Architect&#8217;s house, luxury condo, country estate, or secondary residence \u2014 your heritage requires a <strong>high-value insurance policy with agreed value<\/strong>, extended limits for your valuables, and VIP claims service. Here\u2019s how to choose it wisely, and how our AMF team can assist you.<\/p><div class=\"a360-hv-btns\"><a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\" class=\"a360-hv-btn-teal\">Get my VIP quote<\/a><a href=\"tel:+18663574451\" class=\"a360-hv-btn-outline\">1-866-357-4451<\/a><\/div><\/div><div class=\"a360-hv-stats\"><div><div class=\"num\">$1M+<\/div><div class=\"lbl\">Covered reconstruction value<\/div><\/div><div><div class=\"num\">Agreed value<\/div><div class=\"lbl\">No depreciation<\/div><\/div><div><div class=\"num\">$2M \u2013 $10M<\/div><div class=\"lbl\">Liability (Umbrella)<\/div><\/div><div><div class=\"num\">VIP<\/div><div class=\"lbl\">Dedicated broker + priority claims<\/div><\/div><\/div>\n\n<p class=\"wp-block-paragraph\">Investing in a <strong>luxurious condo in Montreal<\/strong>, an architect&#8217;s house on the South Shore, an estate in the Eastern Townships or a heritage residence in Old Quebec is one of the most important purchases of a lifetime. To preserve this heritage intact, you need insurance designed for exceptional property \u2014 not a standard policy. Here are the essential principles to know before subscribing.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-high-value-insurance-is-different-from-a-standard-policy\"><\/span>Why high-value insurance is different from a standard policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">A standard home insurance policy covers a home built with common materials and caps several coverages (valuables, liability, living expenses). For a <strong>prestigious residence<\/strong>, these limits are quickly insufficient: noble materials, custom-made cabinetry, works of art, cellar, state-of-the-art home automation equipment&#8230; a single total loss can exceed $1 million in identical reconstruction costs. <\/p>\n\n<div class=\"a360-hv-cards\">\n  <div class=\"a360-hv-card\">\n    <h3>Guaranteed Agreed Value<\/h3>\n    <p>The agreed amount is paid in the event of a total loss, without depreciation or municipal assessment. This is the basis for true high-value protection. <\/p>\n  <\/div>\n  <div class=\"a360-hv-card\">\n    <h3>Actual reconstruction cost<\/h3>\n    <p>The insurer has the property inspected by an expert to establish the exact cost of rebuilding identically \u2014 noble materials, custom-made work, high-end finish.<\/p>\n  <\/div>\n  <div class=\"a360-hv-card\">\n    <h3>Extended limits<\/h3>\n    <p>Jewellery, works of art, cellar, musical instruments, furs: limits much higher than a standard policy, often without a deductible.<\/p>\n  <\/div>\n  <div class=\"a360-hv-card\">\n    <h3>High liability<\/h3>\n    <p>Liability from $2 million to $10 million with umbrella coverage, essential for large assets and directors of NPOs.<\/p>\n  <\/div>\n  <div class=\"a360-hv-card\">\n    <h3>Extended living expenses<\/h3>\n    <p>In the event of a claim, accommodation equivalent to your standard of living without a restrictive ceiling (rental of a comparable residence, storage of furniture).<\/p>\n  <\/div>\n  <div class=\"a360-hv-card\">\n    <h3>VIP Claims Service<\/h3>\n    <p>Dedicated broker, dedicated claims manager, priority access to heritage restoration experts and specialized curators.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who-is-high-value-home-insurance-for\"><\/span>Who is high-value home insurance for?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In Quebec, this type of policy is generally reserved for residences with a <strong>reconstruction value of more than $750,000 to $1 million<\/strong>. Several typical profiles benefit from it: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Owners of architect&#8217;s houses<\/strong> with custom finishes, noble wood work, cathedral ceilings, etc.<\/li>\n<li><strong>Families with art collections<\/strong>, antiques, jewellery, valuable musical instruments or wine cellars over $25,000<\/li>\n<li><strong>Heritage residences<\/strong> in Old Quebec, Old Montreal, Outremont or Westmount with identical restoration requirements<\/li>\n<li><strong>Areas with wooded land<\/strong>, stables, indoor swimming pools, tennis courts or private helipads<\/li>\n<li><strong>Luxury second homes<\/strong> (cottage in the Eastern Townships, condo in ski resort, waterfront property)<\/li>\n<li><strong>Senior managers and professionals<\/strong> at high risk of prosecution (physicians, lawyers, administrators)<\/li>\n<\/ul>\n\n<div class=\"a360-hv-conseil\">\n  <h3>\ud83d\udca1 Broker&#8217;s advice<\/h3>\n  <p>Before taking out, have a <strong>detailed inventory<\/strong> of your valuables drawn up (with photos, invoices and certificates of authenticity). This inventory is crucial to setting the right boundaries and expediting any claims. Our <a href=\"https:\/\/www.assur360.ca\/en\/free-inventory-of-property-quebec-home-insurance-2026\/\">asset inventory tool<\/a> simplifies this step.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Coverages-included-in-a-typical-high-value-policy\"><\/span>Coverages included in a typical high-value policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<table class=\"a360-hv-table\">\n  <thead>\n    <tr>\n      <th>Warranty<\/th>\n<th>Standard<\/th>\n<th>High-value<\/th>            \n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr><td><strong>Building<\/strong><\/td><td>Municipal Value or Simplified Appraisal<\/td><td>Agreed Value + Identical Reconstruction with No Ceiling<\/td><\/tr>\n    <tr><td><strong>Valuables<\/strong><\/td><td>$2,000 to $6,000 per category<\/td><td>$50,000 to $250,000+ per piece of jewellery\/artwork, no deductible<\/td><\/tr>\n    <tr><td><strong>Cellar<\/strong><\/td><td>Often excluded or limited to $5,000<\/td><td>$50,000 to $250,000+ with temperature variation coverage<\/td><\/tr>\n    <tr><td><strong>Liability<\/strong><\/td><td>$1 million standard<\/td><td>$2 million to $10 million + optional umbrella<\/td><\/tr>\n    <tr><td><strong>Living expenses<\/strong><\/td><td>20% to 30% of the value of the building<\/td><td>Unlimited or 24 months at your standard<\/td><\/tr>\n    <tr><td><strong>Heritage reconstruction<\/strong><\/td><td>Not covered<\/td><td>Included with experts specialized in listed buildings<\/td><\/tr>\n    <tr><td><strong>Claims Department<\/strong><\/td><td>General Call Center<\/td><td>Dedicated Broker + VIP Manager<\/td><\/tr>\n    <tr><td><strong>Worldwide Coverage<\/strong><\/td><td>Limited to Canada<\/td><td>Worldwide Coverage for Jewelry, Art and Luggage<\/td><\/tr>\n  <\/tbody>\n<\/table>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do-all-companies-offer-high-value-insurance\"><\/span>Do all companies offer high-value insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">No. In Quebec, only a few companies have a <strong>&#8220;private management&#8221; or &#8220;private client&#8221; department<\/strong> dedicated to prestigious residences. Many standard insurers cap their coverage at $750,000 or refuse to do so. The main specialized players include <strong>Intact Prestige<\/strong>, <strong>Aviva Private<\/strong>, <strong>Chubb Masterpiece<\/strong> and <strong>Trisura<\/strong>, each with its own eligibility criteria, limits and rates.  <\/p>\n\n<p class=\"wp-block-paragraph\">It is precisely the role of an <strong>independent AMF broker<\/strong> to compare these programs according to your exact profile: type of residence, content, desired liability insurance, expected VIP services. At Assur360, our private wealth management team assigns you a <strong>dedicated broker<\/strong> who analyzes your file in depth at each renewal and negotiates the optimal conditions with several specialized insurers. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key-elements-to-plan-for-in-your-high-value-policy\"><\/span>Key elements to plan for in your high-value policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul class=\"wp-block-list\">\n<li><strong>Umbrella insurance<\/strong> from $2 million to $10 million to extend your liability in the event of a major lawsuit<\/li>\n<li><strong>Replacement cost coverage with no obligation to rebuild<\/strong> \u2014 the insured amount is paid even if you decide not to rebuild<\/li>\n<li>Coverage for <strong>specific collections<\/strong> (art, wine, watches, jewelry) with annually updated appraisals<\/li>\n<li><strong>Extended water damage<\/strong> coverage including roof infiltration, sewer backup, groundwater and equipment breakdown<\/li>\n<li>Coverage <strong>of home automation equipment<\/strong> and intelligent systems (alarm, lighting, air conditioning, audiovisual)<\/li>\n<li><strong>Land and landscaping<\/strong> coverage (mature trees, in-ground pool, stone deck, gazebo)<\/li>\n<li><strong>Second home<\/strong> rider with continuous coverage even in the owner&#8217;s prolonged absence<\/li>\n<\/ul>\n\n<div class=\"a360-hv-eeat\">\n  <div><div class=\"v\">AMF + ChAD<\/div><div class=\"l\">Certified firm<\/div><\/div>\n  <div><div class=\"v\">30+ years<\/div><div class=\"l\">Private Wealth Management<\/div><\/div>\n  <div><div class=\"v\">VIP<\/div><div class=\"l\">Dedicated Broker + Priority Claim<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-high-value-home-insurance-cost-in-Quebec\"><\/span>How much does high-value home insurance cost in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Premiums vary considerably depending on the reconstruction value, the location and the property to be covered. For information purposes: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>$1 million residency<\/strong> in Montreal or Quebec City: between <strong>$2,500 and $5,000<\/strong> per year<\/li>\n<li><strong>$2 million residency<\/strong> with art collections: <strong>between $5,000 and $12,000<\/strong> per year<\/li>\n<li><strong>$5M+ domain<\/strong> with dependencies and high RCI: starting at <strong>$15,000<\/strong> per year<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Several factors significantly reduce the premium: central alarm system connected to a station, residential sprinklers, automatic generator, closed garage, presence of a guard or a video surveillance system. Request a <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">personalized quote<\/a> for an exact price. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion-Protect-what-really-matters\"><\/span>Conclusion: Protect what really matters<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Acquiring a prestigious residence is the culmination of a unique journey. Its protection should never be based on a generic policy. Well-built <strong>high-value home insurance<\/strong> \u2014 approved value, extended liability, valuables coverage, VIP service \u2014 gives you the peace of mind of knowing that everything is secure. Team up with an AMF broker who masters specialized programs and negotiates the best conditions available in Quebec for you.   <\/p>\n\n<div class=\"a360-hv-cta-final\">\n  <h2><span class=\"ez-toc-section\" id=\"Request-your-private-wealth-quote\"><\/span>Request your private wealth quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Our Private Wealth team compares the Intact Prestige, Aviva Private, Chubb Masterpiece and Trisura programs based on your profile. Free quote, dedicated broker, quick response. <\/p>\n  <div class=\"a360-hv-btns\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\" class=\"a360-hv-btn-teal\">Get my VIP<\/a>\n quote<a href=\"tel:+18663574451\" class=\"a360-hv-btn-outline\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs-%E2%80%94-High-Value-Home-Insurance\"><\/span>FAQs \u2014 High-Value Home Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div class=\"a360-hv-faq\">\n<details><summary>At what value should I opt for a high-value policy?<\/summary><div class=\"a\">In Quebec, the typical threshold is <strong>$750,000 to $1 million<\/strong> of reconstruction costs (not the municipal value or the purchase price). Below that, a standard font with endorsements is usually sufficient. Above that, the standard limits become insufficient and a specialized program is needed.  <\/div><\/details>\n<details><summary>What is Agreed Value and why is it essential?<\/summary><div class=\"a\">The agreed value is an amount set in advance between you and the insurer after inspection. In the event of a total loss, this amount is paid out without depreciation or negotiation. This is the basis for true wealth protection \u2014 unlike the depreciated value of a standard policy.  <\/div><\/details>\n<details><summary>Are my artwork and jewelry automatically covered?<\/summary><div class=\"a\">Yes, but with much higher limits than a standard font. For specific pieces (rare watch, master painting, family ring), a nominative endorsement with official appraisal is recommended to guarantee the full value without excess. <\/div><\/details>\n<details><summary>What is the difference between a standard policy and a &#8220;private client&#8221; policy?<\/summary><div class=\"a\">A &#8220;private client&#8221; policy (Intact Prestige, Aviva Private, Chubb Masterpiece, Trisura) offers upper limits, agreed value, worldwide coverage for jewellery and art, VIP claims service and a dedicated broker. The standard policy caps several warranties and does not offer personalized service. <\/div><\/details>\n<details><summary>Do I need umbrella insurance in addition to my high-value policy?<\/summary><div class=\"a\">Yes, highly recommended. The Umbrella adds $2 million to $10 million in liability on top of your home and auto policy. This is essential if you have significant wealth, a risky job (doctor, administrator) or public exposure (donors, speakers).  <\/div><\/details>\n<details><summary>How much does high-value insurance cost in Quebec?<\/summary><div class=\"a\">For a $1 million residence in Montreal or Quebec City: between $2,500 and $5,000 per year. For $2 million with collections: $5,000 to $12,000. For a $5M+ domain: starting at $15,000. Central alarm system, sprinklers and generator can significantly reduce the premium.   <\/div><\/details>\n<details><summary>Can my independent broker access these specialized programs?<\/summary><div class=\"a\">Yes, provided that you have agreements with specialized insurers. At Assur360, we work with Intact Prestige, Aviva Private, Chubb and Trisura. We compare programs according to your profile to get the best protection at the best price.  <\/div><\/details>\n<details><summary>What happens in the event of a major disaster (fire, major water damage)?<\/summary><div class=\"a\">With a VIP policy, your dedicated broker immediately coordinates a dedicated claims handler, the dispatch of heritage restoration experts, accommodation at your switchboard and follow-up until full settlement. The goal: to minimize stress and speed up rehabilitation. <\/div><\/details>\n<details><summary>Is the second home covered by the same policy?<\/summary><div class=\"a\">Not automatically, but an endorsement or a separate policy can be added on advantageous terms (same insurers, VIP services). This is especially important if the home is vacant for several months \u2014 standard policies often exclude these periods. <\/div><\/details>\n<details><summary>How do I find a broker who is proficient in high-value policies in Quebec?<\/summary><div class=\"a\">Choose an AMF firm with a &#8220;private management&#8221; department and more than 15 years of experience in prestige insurance. At Assur360, a <strong>dedicated broker<\/strong> is assigned to you from the first quote. <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">Request your private wealth quote<\/a> \u2014 it&#8217;s non-binding. <\/div><\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/assurance-habitation-de-haute-valeur\/\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/assurance-habitation-de-haute-valeur\/#faq\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"At what value should I opt for a high-value policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In Quebec, the typical threshold is $750,000 to $1M in reconstruction cost (not municipal value or purchase price). Below this, a standard policy with endorsements is usually sufficient. 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For specific items, a named endorsement with official appraisal is recommended to ensure full value without deductible.\"}},\n{\"@type\":\"Question\",\"name\":\"What is the difference between a standard policy and a private client policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A private client policy (Intact Prestige, Aviva Priv\u00e9, Chubb Masterpiece, Trisura) offers higher limits, agreed value, worldwide coverage for jewelry and art, VIP claims service, and a dedicated broker.\"}},\n{\"@type\":\"Question\",\"name\":\"Do I need an Umbrella insurance in addition to my high-value policy?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, highly recommended. The Umbrella adds $2M to $10M in liability above your home and auto policy. Essential for significant assets or exposure to risk.\"}},\n{\"@type\":\"Question\",\"name\":\"How much does high-value insurance cost in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For a $1M residence: between $2,500 and $5,000 per year. For $2M with collections: $5,000 to $12,000. For a $5M+ estate: starting at $15,000.\"}},\n{\"@type\":\"Question\",\"name\":\"Can my independent broker access these specialized programs?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, provided they have the agreements. 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