Personal Insurance

Home Insurance

From homeowners to tenants, home insurance provides financial protection for you and your family

Damage
Whether it’s a fire or natural disaster, there could be home repairs required.

Theft
Replacing personal content.

Expenses
Receiving funds to cover additional living expenses.

Financing
Whether it’s buying a home or taking out a loan, your lender requires it.

Personal Liability

Should there be third party injury or property damage, it will help protect you.

Coverage available:

Comprehensive “all risk” coverage against property damage or loss
Guaranteed rebuilding cost without caps or limitations to match the quality of your home
Replacement cost for your contents without depreciation deduction
High deductible options to reduce your premiums
Additional living expense to maintain your standard of living
Worldwide coverage for your personal property away from the insured property
Protection against by-law mandated increased costs
Sewer back-up

Optional coverage available:

Critical home mechanical, electrical, and electronic breakdown repair or replacement
Identity theft and fraud
Kidnap & Ransom coverage
Travel Insurance
Legal Expense
Insurance
Excess liability available up to $25M

Second Home

Insurance can be provided on the same terms as your primary residence
Discounts achieved when you combine multiple homes on a convenient, single policy
Outside of Canada – protection can be offered in many foreign countries

Vacation Property/
Cottage Insurance

Designed for homes with a replacement cost greater than $500,000

Comprehensive “all risk” coverage against property damage or loss
Guaranteed rebuilding cost without caps or limitations to match the quality of your home
Replacement cost for your contents without depreciation deduction
High deductible options to reduce your premiums
Additional living expense to maintain your standard of living
Worldwide coverage for your personal property away from the insured property
Protection against by-law mandated increased costs

Optional coverage available:

Critical home mechanical, electrical, and electronic breakdown repair or replacement
Identity theft and fraud
Outside of Canada – protection can be offered in many foreign countries
Kidnap & ransom insurance
Travel insurance
Legal expense insurance

Automotive Insurance

All vehicles – regular use autos as well as ATV’s, snowmobiles, motor homes and collector cars are covered

Worldwide liability coverage – $ 1 million per occurrence
Excess auto liability also available
Deductible is waived in the event of a total loss
Agreed value – auto is insured for an agreed upon amount; no deduction for parts depreciation in the event of a partial loss
Extra discounts – for multiple cars, occasional use
Multi policy (home/auto) and mature driver discount
Temporary replacement transportation/rental vehicles coverage included
Non-owned automobiles – liability for damage included
Family protection coverage offered

Motorcycle/
Recreational Vehicle

From motorcycles to snowmobiles to camper trailers to ATVs, these vehicles may not be covered under your Home and Auto Insurance.

Through a consultation, we can help you get the Motorcycle / Recreational Insurance coverage that suits your individual needs. Coverage options include:

Additional liability coverage
Collision
Comprehensive
Roadside assistance
Total loss insurance
On road insurance for off-road vehicle

Personal Watercraft

From yacht to sea-doos, recreational watercrafts are valuable assets you want to protect.

We can help protect that investment by helping you choose the ideal personal watercraft insurance coverage that suits your individual needs.

Coverage for sailboats and power boats including yachts, runabouts, ski boats, jet skis, pontoon boats and fishing boats
Coverage for older vessels with recent marine surveys
Coverage for fiberglass, steel, aluminum and wood hulls
Total losses treated on a declared value/agreed value basis for hull and machinery – payment up to limits shown with no deduction for depreciation
Losses for personal effects settled on a replacement cost basis
$2 million protection and indemnity marine liability limit
$1 million water skiing liability limit included
Emergency expenses reimbursement – $1,000 limit
Personal effects – $2,000 limit for vessels under
$250,000; $10,000 limit per vessel over $250,000
Medical payments – $5,000 limit
Excess liability available up to $25M

Antique and Classic Automobile Insurance

Insurance is available for non-modified vehicles used for hobby and/or collector car activities, and not used for regular transportation.

Two categories:

Antique and classic for automobiles 25 years and older
Special interest for automobiles 15-24 years old

Automotive coverage up to $75,000 on newly acquired and replacement vehicles with 30 day notification period.

$2 million liability coverage available
$1,000 and $2,500 deductibles available
Policy issued on a Valued Form
Special discounts for multiple vehicles ownership
No depreciation on partial losses

Please note – Colour photos are requested for all vehicles

Art & Collection
Insurance

You are passionate about your collections, whether it’s jewelry, fine art, wine, furs, camera equipment, etc.

You want to know they are adequately insured for damage or loss regardless of where they are displayed or stored, or if you’ve purchased a new piece and want it protected. At The Insurance Market, we can provide excellent peace of mind coverage for your treasured items.

Worldwide coverage in the event of damage or loss
New acquisitions automatically covered up to 25% of the total policy limit at the time of purchase, with 90 days to add them to your policy
Replacement – up to 150% of scheduled value
Stand-alone policies available

Jewelry Insurance

Significant reduced pricing for items stored in a qualified vault
No appraisals required for pieces under $10,000
Blanket coverage for non-scheduled jewelry up to $20,000
Cash settlement versus replacement option is available
No deductibles applied
Mysterious disappearance included

Jewelry Appraisals

A “replacement cost” appraisal for your jewelry is important in securing a fair and expeditious claims settlement. This type of appraisal, as opposed to a “fair market” or “estate” appraisal is a formal opinion of a jewelry item, offered by a certified gemologist, verifying the authenticity, design, quality and monetary value of the item.

Art Insurance

TIM offers a full range of insurance products to meet the needs of every sector of the art market – fine art, antiques, collectibles, rare coins, ceramics, rare books and manuscripts.

Broad, all-risk worldwide coverage
Large and small capacity insurance
Immediate coverage binding
Blanket locations coverage
Expeditious, informed claims processing

Art services
Market value evaluations

Loss Prevention advice and disaster planning
Transportation, shipping and handling consultation
Fine art collections schedules
Curator and collection management services

Wine Insurance
Insurance for significant wine collections not insured separately from your homeowner’s policy.

Blanket or itemized coverage. With blanket coverage, your entire collection is covered under one limit, with a single bottle limit of $50,000
Itemized coverage is recommended for wines valued at $10,000 or more and can be combined with blanket coverage for ultimate protection

Worldwide coverage and while in transit
No deductibles on standard policies

Special Events

If you frequently host an event, consider coverage that protects you

If you frequently host an event (with or without alcohol), consider coverage that protects you from the risk of liability resulting from property damage, general liability or bodily injury. Some common examples of events that fall within this category includes:

Weddings
Meetings
Family reunions
Concerts
Video shoots
Hockey tournaments
Camps
Craft shows

Personal Insurance

Home Insurance

From homeowners to tenants, home insurance provides financial protection for you and your family

Vacation Property/
Cottage Insurance

Designed for homes with a replacement cost greater than $500,000

Automotive Insurance

All vehicles – regular use autos as well as ATV’s, snowmobiles, motor homes and collector cars are covered

Motorcycle/
Recreational Vehicle

From motorcycles to snowmobiles to camper trailers to ATVs, these vehicles may not be covered under your Home and Auto Insurance.

Personal Watercraft

From yacht to sea-doos, recreational watercrafts are valuable assets you want to protect.

Antique and Classic Automobile Insurance

Insurance is available for non-modified vehicles used for hobby and/or collector car activities, and not used for regular transportation.

Art & Collection
Insurance

You are passionate about your collections, whether it’s jewelry, fine art, wine, furs, camera equipment, etc.

Special Events

If you frequently host an event, consider coverage that protects you

Contact

Visit Us

Personal Insurance

Home Insurance

From homeowners to tenants, home insurance provides financial protection for you and your family

Vacation Property/Cottage Insurance

Designed for homes with a replacement cost greater than $500,000

Automotive Insurance

All vehicles – regular use autos as well as ATV’s, snowmobiles, motor homes and collector cars are covered

Motorcycle/Recreational Vehicle

From motorcycles to snowmobiles to camper trailers to ATVs, these vehicles may not be covered under your Home and Auto Insurance.

Personal Watercraft

From yacht to sea-doos, recreational watercrafts are valuable assets you want to protect.

Antique and Classic Automobile Insurance

Insurance is available for non-modified vehicles used for hobby and/or collector car activities, and not used for regular transportation.

Art & CollectionInsurance

You are passionate about your collections, whether it’s jewelry, fine art, wine, furs, camera equipment, etc.

Special Events

If you frequently host an event, consider coverage that protects you

Contact

Visit Us

Vacation Property/
Cottage Insurance

Motorcycle/
Recreational Vehicle

Art & Collection
Insurance