High Value House Insurance
For most people, their home is their biggest investment. We also know that – like insurance policies – not all houses are created equal.
That’s why we take the time, up front, to ensure you have enough coverage to protect your house and your belongings. Our risk and values assessment process is a key step in determining your needs. See how we stack up against our competitors’ standard home insurance policies.
Westland Key Insurance Features and Benefits
| All Risk or Comprehensive Policy | We cover your dwelling and property for "all risks", not specific losses or "perils" |
| Off Premises coverage - contents | We insure your contents both while temporarily away from your premises AND while permanently at another uninsured location (worldwide).
This includes student property while at school. |
| Guaranteed Replacement Cost – on home | We protect you in case the cost to repair or replace your dwelling increased during the policy term ---with no maximum. If you choose not to rebuild on the same site, we will settle on replacement cost, up to the full sum insured. |
| Replacement Cost – on contents | We pay based on Replacement Cost on your contents, with no allowance for depreciation,even if you choose a cash settlement instead of replacing the items. |
| Bylaws Coverage | We cover additional costs to bring your house up to current building standards in the event of a loss ---additional sum with no maximum. |
| No Deductible for Losses over $50,000 | |
| Temporary Relocation Costs Protection | We cover your additional expenses if you need to move out of your home as a result of an insured loss |
| Liberalization Clause | If we increase any included coverage, you immediately get that coverage – at no extra charge. |
Westland High Value Home Insurance Comparison |
| Feature | Westland | Standard Competitor Policy |
| Personal Liability– including Personal Injury | $5 million included with base policy | $1 million or less included with base policy -- not including Personal Injury |
Silverware
| $100,000 | $25,000 or less |
Bicycles
| No limit | $1,000 per item, or less |
Theft from Vehicle
| No limit | $3,000 or less |
Personal Computer Hardware
| No limit | $5,000 or less |
Spoilage of food in refrigerator or freezer
| $5,000 | $1,000 or less |
Wine Spoilage
| $5,000 | Not available |
Gardening Equipment
| $25,000 | $10,000 or less |
Student Property
| No limit | $3,000 or less |
Property in Storage
| No limit | Not available. Must buy separate storage policy |
Parent Property in Care Facility
| $10,000 | Not available |
Property in a Care Facility
| $10,000 | Not available |
Credit/ Debit Card Protection
| $10,000 | $10,000 |
Identity Theft
| $25,000 | Must buy a separate coverage |
Search and Rescue
| $5,000 | Not available |
Jewelry
| $15,000 | $5,000 or less |
Debris Removal
| Additional Amount – no max | Included amount to 5% or less |
Excavation & Land Stabilization
| AdditionalAmount - Up to 10% of a covered loss | Not available |
Plants & Lawns
| Additional Amount – max $1,500 per item | Included amount to $1,000 per item or less |
Extended Care Facility Protection – Contents
| 
| N/A |
Contents in Storage
|  | N/A |
Cash Replacement Option
| | N/A |
Home Insurance Discounts
We offer a variety of discounts as well including:
Added protection