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”
Earthquake, snowslide, landslide	We cover damage to contents PLUS mass evacuation expenses caused by earthquake, snowslide, landslide or other earth movement
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	No limit	$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	No limit	$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	$5,000	Not available
Property in a Nursing Home	$5,000	Not available
Credit/ Debit Card Protection	$25,000	$10,000
Identity Fraud Expenses	$25,000	Must buy a separate coverage
Fungi or Spore Remediation Expenses	$10,000	Not available
Search and Rescue	$5,000	Not available
Jewelry	$10,000	$5,000 or less
Debris Removal	Additional Amount – no max	Included amount to 5% or less
Evacuation & Land Stabilization	Additional Amount - Up to 10% of a covered loss	Not available
Plants & Lawns	Additional Amount – max $5,000 per item	Included amount to $1,000 per item or less

Legal Assist Program		N/A
Extended Care Facility Protection – Contents		N/A
Contents in Storage		N/A
Cash Replacement Option		N/A