Tailored Protection For Your High-Value Assets

Protecting what matters most starts with the right coverage.

Our insurance advisors offer personalized solutions for high-value homes, luxury vehicles, and valuable collections—delivered with the knowledge, service, and personal attention you deserve.

See how TD Insurance Private Client Advice provides specialized home and auto insurance solutions that fit your unique needs.

Is This The Right Fit For You?

If you have a custom-built high-value home or cherished collection, our premium coverage is designed with you in mind. Get the added support and professional advice for the protection you need.

See If You Qualify

Discover products we offer

Protecting more than your house.

Your dedicated advisor at TD Insurance Private Client Advice will explain your coverage choices and shape your policy around what matters most to you.

Our home insurance is for those with complex insurance needs, from custom-built homes to secondary properties. Enjoy access to extra coverages you can add to ensure everything important is covered.

Below are some of the options available.

  1. Guaranteed Reconstruction Cost

    Covers the full cost to rebuild your home, even if the expenses exceed your insured amount.   

  2. Coverage for Collections, Wine, Jewelry, Art & Other Luxury Items

    Insures your valuables like jewelry, fine art, wine, designer purses, and other collections under one flexible limit—even for claims that fall outside your main policy.

  3. Replacement Cost Coverage

    Reimburses the full cost of your belongings with new items of similar kind and quality—not their depreciated value.

  4. Personal Umbrella Coverage

    Extra liability coverage beyond the costs of your home or auto insurance policy. This is especially helpful when travelling or facing a major claim, such as an injury or property damage.

  1. Higher Limits to Match Your Lifestyle

    Broader protection for energy-efficient home upgrades, extended living costs, support for family members, and outdoor elements like trees and landscaping.

  2. Extended Water Damage and Flood & Sewer Backup

    Additional protection for damage caused by sewer back up, below ground or surface water.  You’re covered for home repair, clean-up costs, replacement of your belongings, and additional living expenses. 

  3. Home Systems & Service Line Protection

    Helps with unexpected breakdowns inside your home or underground. From HVAC and built-in appliances to service lines like water and power, this covers repair costs, temporary loss of use, and certain energy-efficient improvements.

Appraisals

After you qualify, our Private Client Advice Appraisal Team will arrange a complimentary insurance appraisal service for your home.

The first step in the process is to calculate the replacement cost of your home, which is the amount of money needed to reconstruct your property from scratch. This is based on various factors such as the size, quality, and features of your home, as well as the current prices of labor and materials in your area.

  • Home Assessment & Documentation

    We create a detailed record of your home’s unique features and materials to ensure accurate replacement costs.

  • Skilled Professionals

    Experienced appraisers assess your home’s design, materials, and craftsmanship.

  • Risk & Protection

    We identify areas of potential risk and provide practical ways to help you prevent issues before they happen.

  • Tailored Recommendations

    Personalized insurance advice ensures your home is protected with coverage that reflects its true value.

We’re dedicated to providing you with guidance throughout the process.

Claims Process

We go out of our way to make the insurance claims process as easy as possible.

Our commitment to you goes beyond simply understanding your needs. We’re always here to answer any questions and offer ongoing support when you need it. We’re here for you every step of the way.

 

  • Specialized Claims Support

    • ​A dedicated claims specialist handles the details and guides you through every step.

  • Personalized Repair & Settlement Options

    • Choose what works best for you. Opt for a cash settlement and select your own contractor, or work with our preferred vendors to help simplify the process.

Be ready for anything that happens.

TD Insurance Private Client Advice helps you identify what needs protection and provides you with the right coverage options for threats like wildfires, hail, extended water damage, and home systems endorsement. Experience the best guidance and customized service you deserve.

Protecting you on and off the road.

With TD Insurance Private Client Advice, your dedicated advisor will walk you through your coverage choices and help tailor your policy to your unique lifestyle.

Optional auto coverage add-ons can help you with common issues, whether it’s a fender bender, rental needs, or something more unexpected.

We offer a range of options to match your needs—here are a few.

  1. Accident Forgiveness

    Your first at-fault or partially at-fault accident won’t affect your premium at your next auto policy renewal.

  2. Grand Touring®  

    If you have a claim, you’ll get a temporary replacement vehicle. You also have protection for physical damage when you rent a car. Plus, you have emergency roadside assistance.

  1. Limited Waiver of Depreciation

    If your new car is stolen or considered a total loss within the first 3 years from your vehicle delivery date, we’ll cover your purchase price. Coverage may vary by province.

Claims Process

We go out of our way to make the insurance claims process as easy as possible.

Our commitment to you goes beyond simply understanding your needs. We’re always here to answer any questions and offer ongoing support when you need it. We’re here for you every step of the way.

 

Be ready for anything that happens.

TD Insurance Private Client Advice helps you identify what needs protection and provides you with the right coverage options for threats like wildfires, hail, extended water damage, and home systems endorsement. Experience the best guidance and customized service you deserve.