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A one-of-a-kind home where memories are made, a cottage to recharge, watercraft for weekend fun, and collections built with experienced care — regardless of the components, a complex lifestyle requires customized coverage. Fortunately, there’s a new insurance offering versatile enough to protect multilayered lives: Intact Prestige.

“Every customer is unique, but they all want to make sure they’re paying a premium that reflects the value they’re receiving,” says Tracy Laughlin, Intact Prestige senior vice-president. Many Intact Prestige clients are busy and require specialized coverage and service. “They want someone to take care of their insurance needs, so they can go back to living their lives.”

And little wonder. Between multiple properties and valuable collections, Intact Prestige customers require insurance that gives them peace of mind every step of the way, from the appraisal to the claims process.

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Seamless claims experience

Rather than sending out appraisers only when a customer makes a claim, Intact Prestige in-house experts assess the property and assets in advance, either in-person or virtually, to help determine the appropriate coverage. They then create a personalized appraisal report, which makes the claims process faster and more efficient.

Should a claim ever be required, Intact Prestige has access to the appraisal report, where all the features and finishes of the home have been documented in advance. Laughlin calls this service, a “value-add.”

“We can actually speed up the process by preordering material and working with the customer through a quick phone conversation,” she says. “We want to make claims a little more effortless.”


Preventing loss

Intact Prestige appraisers also prepare a tailored prevention plan with specific recommendations to help avoid future damage and improve the safety of the home. This level of protection and service is perhaps even more critical for vacation properties and secondary homes, as they often sit empty for part of the year.

“This is important from an insurance perspective, but more important from the safety perspective of customers,” says Laughlin, who explains that Intact Prestige experts can even help source trusted contractors in the area if the client doesn’t have a list.

Collections and valuables

Of course, it’s just as important to protect what’s in the home as the home itself. Jewellery, wine and art may be collected over time, but it takes only an instant to lose them due to theft or a natural disaster. But how to assess the worth of a vintage Château Lafite or an early work by Agnes Martin? Some items are irreplaceable, admits Laughlin, but a successful claim can result in the ability to fund other exciting purchases.

If a client doesn’t already have an art or wine appraisal, Intact Prestige can arrange for an independent expert to assess the value of the collection. Every coverage limit is as unique as the collection itself.

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Comprehensive coverage

Protecting lifestyles is about more than ensuring the safety of properties or collections, however. Personal and reputational security are needed too. While cyberattacks, sensitive data breaches and warrantless lawsuits are commonplace today, Intact Prestige provides coverage in the event clients face any of these modern-day threats. The Intact Prestige primary residences home package offers insurance protection and breach-response services, as well as comprehensive coverage, and even extra support to protect against legal actions.

Ultimately, insuring high-earning families is about taking a holistic approach to wealth protection and adding value by offering custom products that truly address their needs, concludes Laughlin.

“When we talk about customization, nearly every piece of our insurance product can be customizable to the client’s needs,” she says. “We understand the intricacies of their homes and lives.”

For more information and to find a broker, visit:

Advertising feature produced by Globe Content Studio. The Globe’s editorial department was not involved.

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