Beyond the Basics: Specialized Coverage
Life doesn't always fit into standard categories. From life insurance and disability coverage to umbrella policies and valuable items -- we help you protect what matters most beyond your home and auto.
For general guidance only. Coverage details vary by product, insurer, and your personal situation. Contact your broker for tailored advice.
Specialized Insurance Products
Protect your family's financial future with term life, whole life, or universal life coverage. Ensures your loved ones are taken care of.
Medical emergencies, trip cancellations, lost luggage, and travel delays. We partner with Blue Cross, Manulife, TuGo, and Exodus.
View travel insurance partners ->Protects your income if you're unable to work due to illness or injury. Short-term and long-term options available.
Extra liability protection that kicks in when your home or auto policy limits are exhausted. Provides an additional layer of financial security.
Lump-sum payment if diagnosed with a covered illness like cancer, heart attack, or stroke. Helps cover treatment costs and living expenses.
Special coverage for jewelry, art, musical instruments, collectibles, and other high-value items. Goes beyond standard home insurance limits.
Coverage for expenses related to identity theft recovery, including legal fees, lost wages, and credit monitoring.
Medical coverage for visitors, super visa holders, and new immigrants who are not yet covered by provincial health plans.
Standard home and auto insurance has limits.
Your home insurance typically covers personal property up to a percentage of your dwelling coverage, but individual items like jewelry, art, and collectibles often have sub-limits (e.g. $5,000 for jewelry). If you own high-value items, you likely need a scheduled floater or endorsement to be properly covered. Similarly, your auto and home liability limits may not be enough if you're sued -- an umbrella policy can provide the extra protection you need.
Common Questions
Need Specialized Coverage?
We can help you find the right protection for your unique situation.
Why Use a Broker?
- We work for you, not the insurance company
- Access to multiple specialized insurers
- Help identify coverage gaps you may not know about
- Annual reviews as your needs change
- Claims advocacy when you need it
Trusted Insurance Partners
ProtectWhatMattersMost
Get a free quote for specialized coverage tailored to your unique situation.