The castle policy from CHES Special Risk has been carefully crafted for those with specialist and complex needs and is ideal for high-end homeowners offering competitive coverage and pricing for our Brokers preferred VIP accounts or harder to place high value risks.

We are of course able to consider the conventional high valued property client, our capacity and product offering in this arena starts at CAD$500,000 and runs as high as CAD$30,000,000 combined buildings and contents, per location.

Stand alone placement for personal articles and fine art, collections, as well as, wine and items on loan or consignment, are available, on a worldwide all risks cover for physical loss or damage worldwide, including transit risks, including agreed value on specified items, new acquisitions cover, again, worldwide with an option to repurchase property recovered after a theft.

Standalone personal umbrella is also available, with limits of CAD$5,000,000 excess of a minimum underlying of CAD$1,000,000 and able to offer up to 2 secondary USA properties.

Coverage is provided under the castle policy on an all risk basis with guaranteed replacement cost, upgrades for green with generous personal liability limits which extend to cover libel, slander, mental anguish and more, rebuilding to code – no limit, with extensions to include students attending college or university or parents in a nursing home.

We are also able to consider the following type of high-end homeowner:

  • CONDARY HOMES WITH VALUES HIGHER THAN THE PRIMARY RESIDENCE
  • NUMBERED COMPANY OWNERSHIP
  • ESTATES AND TRUSTS
  • STANDALONE SECONDARY HOMES
  • SEASONAL PROPERTIES
  • FOREIGN OWNERSHIP
  • SHORT TERM RENTAL
  • HOME FLIPPER STYLE CONSTRUCTIONS AND RENOVATIONS
  • UNPROTECTED RISKS
  • LOG CONSTRUCTION
  • HERITAGE HOMES
  • LOSS FREQUENCY
  • MULTIPLE MORTGAGES
  • VACANT

Immediate assistance for home emergencies
We include 24-hour home emergency cover as standard, giving you swift assistance to our 24/7 claims professionals in the event of an unforeseen household emergency.

Immediate access to our hand picked lawyers
We include immediate access to our team of legal advisors who are able to assist you with any legal matters that you might be concerned with, offering you complimentary help and advice.

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