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Platinum Plus Advantage

The ultimate home
insurance coverage

Providing maximum coverage for
your personal property.

What’s included with Platinum Plus Advantage home insurance

You get up to $50,000 in coverage for your belongings (such as jewellery) should they be lost, stolen or disappear mysteriously.

If you’re a homeowner, you’ll also enjoy all-risk protection for your home and replacement cost protection but, in the event of a claim, you’ll be under no obligation to rebuild your home or replace your personal property.

Platinum Plus Advantage — Homeowner’s Insurance Policies
Coverage details
Home (building) All risk
Property (contents) All risk
Replacement value Included (no obligation to rebuild or replace property)
Property temporarily outside your home 100% of insured amount
Additional cost of reconstruction due to by-laws Included
Mysterious disappearance Included
Platinum Plus Advantage — Condo & Renter’s Insurance Policies
Coverage details
Property (contents) All risk
Property temporarily outside your home 100% of insured amount
Mysterious disappearance Included
Property belonging to a student living outside the home Up to $7,500
Business property $6,000 (including when temporarily outside the home)
Valuable belongings including:
Stamp collections
Coins and medals
Jewellery and furs
Card collections
$50,0001 total cumulative amount for all types of property

1Limitation applicable for theft and mysterious disappearance only.
*Subject to the exclusions and limitations of the policy. Coverage limitations may vary in Québec. In case of discrepancy, the policy wording always prevails.

Here are brief explanations of the terms used to describe our Home Insurance Advantage packages:

  • All-risk coverage is also known as all-perils coverage and provides insurance for common types of loss (e.g. fire, theft, etc.). It clearly states what is excluded.
  • Designated-risk coverage is also known as named-perils coverage and names the specific types of risk that are included in your coverage.

To learn more, go to The benefits of home insurance page.

What's considered standard on home insurance coverage?
While policies can differ greatly, there are some standard features that are part of just about every home insurance plan, including:

  • Building coverage — if you own a house or condo (if you need it)
  • Contents — your personal property
  • Personal liability — should someone hurt themselves while visiting your home
  • Additional living expenses — for temporary accommodations and expenses if you cannot live at home due to covered loss or damage

How are home insurance premiums calculated?
Many factors are taken into account when calculating home insurance, including:

  • Geography — Are you in a high theft area?
  • Amount of coverage — The higher the coverage amount, the higher your rates.
  • Optional coverage add-ons — For example, since water damage coverage does not cover floods, you may want to add optional coverage such as sewer back-up water damage coverage.
  • Your deductible — You can choose to lower or raise your deductible (the amount you pay on a claim). The higher your deductible, the lower your premiums.
  • Safety features — An alarm system, smoke detectors and other security features may help reduce the cost of your home insurance.
See more questions and answers.

Why choose TD Insurance?