Welcome to Private Client Advice

You’ve worked hard to get to where you are today. Now let us take the work out of protecting your assets. With our tailored guidance, unique solutions, and innovative strategies, your assets are in secure hands with TD Insurance Private Client advice.

Qualifications

 

Home Replacement Cost

  • The cost to rebuild your home is $1.5 million

Condo Contents

  • The contents in your condo are valued at $450,000

Personal Valuables

  • Asset collections with a total value starting at $250,000 which may include:
  • Jewellery including high value watches
  • Wine and spirits
  • Works of art
See If I Qualify

Discover products we offer

It’s not just where you live, it’s the place you call home. That’s why we provide the coverage you need to protect your home.

Coverages for your home

  1. Extended Water Damage: Additional coverage to cover you from water that enters your home such as water backing up from sewers or septic tanks, and freshwater damage

  2. Rebuilding to Code Coverage: Additional cost to rebuild or repair your home up to code due to a covered claim

  3. Settle Your Way: Choose to repair/rebuild/replace or settle in cash without deduction for depreciation

  1. Additional Living Expenses: Includes additional cost for temporary accommodations so you can maintain your lifestyle if you are temporarily prevented from living in your home due to a covered claim

  2. Home Systems Coverage: Covers breakdown and circuit impairment of home equipment

  3. Home Service Line Coverage: Covers damage due to service line failure

Enhanced package for your home 

  1. Family Coverage: Extends the coverages of your policy to your parents in a nursing home and to your children under 25 years old attending school full-time

  2. Eco-Efficient Rebuild: Up to $50,000 of additional coverage to allow you to rebuild or repair with eco-efficient materials

  3. Claim Forgiveness: Your premium won’t increase at renewal after your first claim

  1. Enhanced Special Limitations: Even more generous limitations for certain categories of items

  2. Enhanced Extensions of Coverage for landscaping, business property, the contents at your secondary residence and more

  3. Deductible waiver: Under certain circumstances, you will not have to pay your base deductible

Special coverage add-ons for your home

  1. Guaranteed Reconstruction Cost: If your home is destroyed by an insured event, we will rebuild your home, even if it costs more than the limit of insurance on your policy.

  2. Personal Valuables Coverage: It’s only natural that some of your items are more cherished than others. Get enhanced protection for your most cherished and valuable items.

If you have a collection of valuable items, such as a premium watch collection (e.g. Rolex’s) or several high-value pieces of art, you may want to consider Personal Valuables Coverage.

Appraisals

After you qualify, our Private Client Advice Appraisal Team will arrange a complimentary insurance appraisal service for your home.

The first step in the process is to calculate the replacement cost of your home, which is the amount of money needed to reconstruct your property from scratch. This is based on various factors such as the size, quality, and features of your home, as well as the current prices of labor and materials in your area.

  • A replacement cost valuation

    That determines the projected cost to rebuild your home with the level of craftsmanship of your home today

  • A record

    Home's features, finishes, utilities and overall construction

  • A summary

    Loss control and risk mitigation considerations

  • Recommendations

    To better protect you, your home and your home’s contents

We’re dedicated to providing you with guidance throughout the process.

Claims Process

We go out of our way to make the insurance claims process as easy as possible.

Our commitment to you goes beyond simply understanding your needs. We’re always here to answer any questions and offer ongoing support when you need it. We’re here for you every step of the way.

General Claims Process:

  • Dedicated experienced claims specialists who communicate with our clients promptly and provide a step-by-step process of the claims journey/cycle.

Residential Claim:

  • Cash settlement option provided
  • Client can work with their own contractor or proceed with preferred property vendors offered with warranty for work provided

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Elevate what you expect from insurance.

TD Insurance Private Client Advice

Let us customize an insurance plan that protects the lifestyle you’ve worked so hard to build. Speak with a TD Insurance Private Client Advice Insurance Advisor today.