High Value Home Insurance

high value home on quiet street

Your luxury home deserves a specialized insurance policy that goes beyond the basics. With coverage for your fine jewelry, wine collection, and even additions to your house, our premium homeowner’s policy will help you rest easy knowing that you have the support you need.

Pushing the Limits

What sets the Northbridge Insurance Onyx policy apart from the crowd? Our coverage goes further than other policies, with unlimited replacement cost coverage for your building and personal contents, whether those items are in your home, temporarily offsite, or even with a student who’s away at university.

We’ve taken the limits off some other coverages, too, like additional living expenses if an event forces you from your home and access to professional legal advice. And that’s just the beginning. A number of other fine-tuned features will round out this distinctive homeowner’s policy.

Enhanced Lifestyle, Enhanced Coverage

With our enhanced property and liability feature, you’ll have protection for family members in a resident health care facility to cover personal effects and living expenses in case of loss or damage. Combined with coverage while you’re volunteering and coverage for cash robbery, our Northbridge Insurance policy is a comprehensive insurance solution for peace of mind.

Wondering how and when your policy can respond?

Take a closer look at some of our coverage highlights:

From delicate climate controls to smart appliances, the value and complexity of your household assets are growing, and that can call for closer attention. Consider what would happen if a compressor in your air conditioning system stalled: not only will the compressor need to be replaced, but if a short in the wiring damaged the rest of the system, you could face a repair bill exceeding $50,000.

Advancing home-based technology brings new risks, but our Equipment Breakdown extension can respond to them. This coverage can activate when an accident physically damages or destroys any household equipment covered in your policy – you’re covered up to $50,000, but you can purchase more coverage if you need it.

Serious risks call for serious coverage. When the threat of atrocities like kidnapping, child abduction, stalking, home invasion, or hijacking keep you up at night, you need to know you’ll be supported in that worst-case scenario.

The Enhanced Household Protection coverage can come into play when a loss of life or disabling injury results from a range of violent threats, including those listed above. It provides up to $250,000 for each occurrence to any person covered in your policy, which can help to cover medical costs, salary lost, ransom demands, and a host of other related expenses. This coverage can be included in your Northbridge Insurance Onyx policy for an additional charge.

If your carefully curated wine collection is the crown jewel of your home, you’ll want to make sure it’s well protected. Theft and breakage are perennial threats, but so are humidity and temperature changes, vibration and light damage, and accidents during transit. You’ll want to cover all your bases to make sure your fine wine and spirits stay safe.

Our Wine and Spirits policy covers accidental breakage and spoilage when the wine is at home, but also when things go awry in transit. You can opt for blanket coverage or itemized coverage, depending on your needs, with no deductible in either case.

For an additional premium, you can add other coverages and increase limits, like extending your property insurance to cover a recent renovation or increasing your wine and spirits coverage as your collection grows. Since your policy can be easily customized, you can be sure you’re getting more coverage where you need it most.

Water damage is a common risk, and it can lead to big losses. Smart water monitoring systems can help prevent the devastating consequences of leaks, floods, and other water-related problems, using real-time alerts, reporting, and individual insights to keep your home safe and dry.

Discounts or credits may be available for policyholders who purchase and install an eligible automatic water shut-off system and associated water sensors. Contact your broker or Northbridge Risk Services Consultant to learn more.

Legal support when you need it

Legal Expense Insurance tops off your Northbridge Insurance Onyx policy. We’ve partnered with ARAG Legal Solutions Inc to offer this extension that helps cover legal costs when it comes to unexpected legal events, including contract disputes, employment disputes, tax protection, and property protection.

Through Legal Expense Insurance, you have access to experienced lawyers who give you general legal advice for a variety of legal questions, even if the topic isn’t covered by the policy. The Legal Advice Helpline can connect you to a legal professional from 8am to 12am (local time), 7 days a week. In emergencies, a legal representative can be at your service 24/7.

The Northbridge Advantage

We bring a lot to the table – here are some things you can count on.

Our underwriting team understands the personal and specialty insurance sectors, drawing from decades of knowledge and expertise. We can also adapt and expand our offerings as our customers’ needs grow.

We hope you never experience a loss, but if you do, you can count on our dedicated claims team to help get you back on track. We’ll work together with your broker to get the claims process underway as soon as your claim is reported, and we’ll always keep you in the loop. If any questions or concerns should arise, don’t fret – we’re here for you 24 hours a day, 7 days a week.

Our small business insurance policy aligns nicely with our specialty personal coverage. Just as flexible, and with insight buoyed by extensive industry knowledge, Northbridge Insurance Go can help your small business thrive while your home and property is covered by Northbridge Insurance Onyx.


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