Comprehensive Protection for High-Value Properties

Contact Us

Exceptional Homes Deserve Exceptional Protection

Your home is more than where you live—it's one of your most valuable investments. Whether you own a luxury residence, a custom-built home, a waterfront property, or a seasonal retreat, you need insurance that goes beyond the limits of a standard home policy.

At R.K. Mooney Insurance Brokers, our High-Net-Worth Client Program is designed to protect exceptional properties with customized coverage, higher policy limits, and personalized service. We work with leading insurers specializing in high-value homes, ensuring your coverage accurately reflects the true value of your property and the lifestyle it supports.

Coverage Designed Around Your Home

Every property is unique. That's why we take the time to understand your home, its features, and what matters most to you before recommending coverage.

Depending on your needs, your policy may include:

  • High-value home insurance

  • Seasonal and cottage insurance

  • Guaranteed or extended replacement cost coverage

  • Enhanced coverage for valuable contents

  • Water damage protection

  • Sewer backup and overland water coverage

  • Personal liability coverage

  • Additional living expenses if your home becomes temporarily uninhabitable

  • Identity theft and cyber protection options

  • Coverage for detached structures, landscaping, and outdoor features

Our Insurance Partners

Seasonal & Secondary Homes

Whether your cottage is your weekend escape or your second home is where you spend part of the year, these properties often require specialized coverage.

We can help protect:

  • Waterfront cottages

  • Seasonal cabins

  • Vacation homes

  • Secondary residences

  • Luxury recreational properties

Our team understands the unique risks associated with seasonal properties, including weather-related damage, vacant periods, and remote locations.

  • Below lists the level of protection you can expect under Chubb Masterpiece Homeowner:

    • Home Assessment Service

    • Preferred Services Provider Network

    • Property Manager Service

    • Identity Management Services

    • HomeScan

    • Exceptional Claims Service

    • Extended Replacement Cost

    • Additional Living Expense

    • Cash Out Option

    • Rebuilding to Code

    • Replacement Value for Contents

    • Broad Personal Liability Limits Available ($1M - $100M)

  • Chubb Equipment Breakdown is an optional coverage that can be added to your Chubb Masterpiece policy.

    Chubb Masterpiece Equipment Breakdown claims are managed by the same Chubb claim team you’ve come to know and trust for your Homeowners insurance claims. And if you have a simultaneous Masterpiece Equipment Breakdown and Masterpiece Homeowners claim (say, for example, a water heater explodes and causes damage to your basement walls), your Homeowners deductible will be reduced by the deductible you pay for Equipment Breakdown—reducing the cost of having two separate deductibles.

  • Intact Prestige Homeowner automatically includes Personal Legal Expense, Cyber Protection, Kidnap Expense, Home Equipment Breakdown and Business Property coverage in all policies. Benefits also include:

    • Complimentary Risk Assessment

    • Unlimited Additional Living Expenses

    • Flexible Coverage Options

    • Guaranteed Replacement Cost

    • Flexible Claims Settlement

    • Unlimited Bylaw Coverage

    • Worldwide Personal Liability

    • Business Property Coverage

    • Contents Extension

    • Deductible Waiver

    • Students Living Away from Home

    • Family Members in Nursing Home

    • Additional Value Coverages

  • Intact Prestige Seasonal Homeowner automatically includes Home Equipment Breakdown and Business Property coverage in all policies. Benefits also include:

    • Unlimited Additional Living Expenses

    • Flexible Coverage Options

    • Water Detection Expense

    • Guaranteed Replacement Cost

    • Flexible Claims Settlement

    • Unlimited Bylaw Coverage

    • Business Property Coverage

    • Deductible Waiver

    • Additional Value Coverages

Let's Protect What Matters Most

Whether you're purchasing a new luxury home, reviewing your current insurance, or looking for broader protection for your seasonal property, we're here to help.

Speak with one of our brokers to learn how our High-Net-Worth Client Program can help protect your home, your property, and your peace of mind.