Optimum Société d' Assurance - Homeowner VIP Optimum

Distinct coverage designed to provide you with peace of mind, protection and a comprehensive, affordable policy suited for your needs.

Protection

Coverage Highlights

• All Risk protection on your home and contents
• Blanket amount of insurance
• Professional evaluation of your home at our cost
• Enhanced Special Limits for valuable property including jewellery and business property
• Guaranteed Replacement Cost on your dwelling
• Replacement Cost without obligation to rebuild or replace your dwelling or contents
• No deductible for major losses
• Wine Coverage Extension
• Optimum Legal Assistance included automatically

Option Coverages available

• Increased limits
• Identity Fraud Expense
• Fine Arts
• Jewellery and other valuable items

Discount

Premium reductions are available to help you save even more if you :

• Install an alarm system
• Have had no claims in the past 3 years
• Are a Mature Citizen (45 years +)
• Your home is 10 years of age or less

Deductible Options

Our base deductible is $500.  Higher deductibles are available and if you choose to increase this amount, we will lower your premium. 

We will decrease your deductible by $50 for each claims-free renewal to a minimum policy deductible of $50 at no cost to you.