When it comes to protecting significant wealth, standard insurance policies simply aren’t enough. If your home is valued over $1.5 million, or you own luxury vehicles, fine art, jewellery, or multiple properties, you need High Net Worth Insurance—coverage designed specifically for affluent Canadians with elevated risk and elevated assets.
At AIM Insurance, we specialize in luxury home insurance and high value asset protection, offering tailored solutions that match your lifestyle and financial profile.
You may need High Net Worth Insurance if you have:
Homes valued at $1.5M to $2M+
Custom architecture, heritage homes, luxury finishes
Smart home systems, theaters, wine cellars, rare materials
Fine art
Jewellery
Antiques & collectibles
Luxury and exotic vehicles
Multiple homes, cottages, or vacation properties
Rental suites or income-generating units
Elevated personal liability needs
If you meet any of these, a standard insurance policy may leave you underinsured.
Regular policies cap limits far below the replacement cost of luxury homes and collections.
High Net Worth Insurance ensures complete protection—no gaps, no surprises.
High-value homes feature:
Imported materials
Custom craftsmanship
Advanced security systems
Our brokers work with underwriters who specialize in affluent clients and understand these elevated risks.
AIM Insurance builds tailored plans for:
Luxury and heritage homes
Collector and exotic vehicles
Boats, personal watercraft, and motorcycles
Art, jewellery & high-value collections
Excess liability (umbrella coverage)
Personal cyber insurance
Travel globally or own property abroad?
We can arrange international coverage for your high-value assets.
Guaranteed Replacement Cost – Rebuild your luxury home to original specs, even if costs rise.
Specialized Claims Support – Dedicated adjusters experienced with luxury losses.
Scheduled Items – Insure valuables for their full appraised value.
Enhanced Liability Coverage – For domestic staff, guests, and elevated personal liability.
Cyber Protection – Safeguards against identity theft, cyberbullying, fraud, and data breaches.
Vacation & Secondary Home Coverage – All homes under one coordinated program.
Risk Management Services – Security audits, wildfire mitigation, water damage prevention, and more.
Very likely. Standard policies often have low sub-limits that won’t cover luxury finishes or custom features. You may have significant gaps.
High Net Worth policies allow you to schedule valuables at full appraised value—no depreciation.
Coverage is also available for items stored off-site in secured deposit boxes.
Absolutely. Bundling high-value assets often leads to better pricing and streamlined coverage.
100% Canadian-owned and operated
Dedicated brokers—no call centres
1-minute average response time
Strict confidentiality and privacy protection
Decades of experience working with affluent households and complex risks
Don’t leave your most valuable assets underinsured. AIM Insurance will review your existing coverage, identify hidden risks, and build a custom High Net Worth Insurance solution tailored to your lifestyle.
📞 Call: 877-AIM-4TMW
🌐 Visit: theaim.ca
🔒 Confidential. Personal. Expert-level protection.
