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High Value Home Insurance

Personalized coverage for your most precious investment.

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A High Value Home Deserves Comprehensive Insurance

Do you own a home with a higher than average value, with specialty designs or features? If you consider your home upscale or chic, high value home insurance will give you the best options to protect the value of your house and its contents.

While your insurance rates for a high value home, such as a heritage home, will be more expensive than a standard home insurance policy, your insurance company will have the final say on whether to price it as a high value home or not.

At Link, we can compare insurance rates and find the best one for you based on your lifestyle and budget.


We provide a variety of options to protect your high value home for when the unexpected happens.

High Value Home Insurance Benefits

Guaranteed Replacement Cost

Home repairs cover the full value of your home at the time of loss. Your insurer will look at your home’s market value when calculating the replacement cost and not the land value.

Schedule your Most Valuables

A homeowners policy will cover you up to a certain amount for your diamond rings and other precious jewellery. But if you have an expensive collection of gems and stones, you may want to set up higher limits in case a fire or flood destroys everything.

In-house appraisal

A professional appraisal of your residence is included in your high value insurance package.

Find a Link Broker

We help you when it’s most convenient for you. Get in touch with one of our mobile brokers, or visit us at one of our 9 locations in Alberta.
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Our Insurance Providers

We treat you like family. Since 1983, Link Insurance has partnered with insurance companies to give you first-hand access to competitive rates and great customer service. Our skilled brokers will walk you through your insurance policy documents and translate the often-complicated insurance lingo.

Benefits of High Value Home Insurance

Unlike a standard home insurance policy, high value home insurance can be customized to suit the unique features of your home. An investment to many people, a high value home should have an insurance policy in place to reflect the price of rebuilding your home. Meaning, your policy should consider the same priced materials you used to build your home or reflect the quality of the fixtures and architecture when you moved in.

20% Contents Extension: if you want to store your possessions at another location besides your primary resident, you can have 20 percent extension insurance coverage on all your contents. The added protection will not impact your personal belongings coverage in your current home.

Living Expenses (additional): after a fire, flood, or theft – the last thing you want to think about is paying for somewhere to live, while storing your belongings. At Link Insurance, your high value protection pays for renting another comparable home until your home is ready to move back into.