At HSM Insurance, our dedication to clients and attention to detail set us apart. We understand that you have worked hard to afford your home and personal assets, and we gain satisfaction from knowing that our clients have peace of mind when they’re properly insured. Whether it’s your home, condo, vehicle, boat, vacation property or other personal valuables, we are here to help.
We will review and assess your personal insurance requirements to recommend the right coverage for you and your loved ones.
Home Insurance
Homes come in all shapes and sizes, and so do the insurance policies that protect them. Whether you rent a condo or own a luxury property, we will be able to offer a policy that covers your unique needs.
Our home insurance policies cover:
- Home-based Businesses and Equipment
- Dwelling, Contents and Detached Structures Coverage
- Hobby and Production Farms
- Recreational Properties
- Rental Properties
- Secondary Residences
- Floater Policies
- Coverage for Possessions over regular policy limits
High-Value Property Insurance
Victoria boasts some of the most beautiful homes in Canada, and yours deserves the best insurance coverage and personalized support. Introducing: The HSM Homeowner’s Excellence Program for high-value property owners.
Benefits include:
- Cash settlement in case of total loss
- World-wide liability up to $10,000,000
- Blanket jewellery limits up to $50,000
- USA property coverage
- Earthquake deductible as low as $2,500
- Unlimited replacement cost
- 24/7 concierge claims service
Discover the Coverage You Need With the Homeowner’s Excellence Program
Auto Insurance
HSM Insurance Autoplan Agents are prepared to guide you through the many options available to ensure that you have the best vehicle coverage. Our agents will take the time to understand your individual driving needs and recommend the right plan, whether you use your vehicle for personal or business use.
Travel Insurance
When your trip takes an unexpected turn, only travel insurance has you covered. Accidents, illness, or cancelled flights can get expensive if you’re not properly insured. Our Travel Insurance policies are tailored to suit your individual travel plans, and will give you access to 24-hour assistance, 7 days a week, 365 days a year – no matter where you are in the world.
Marine Insurance
The yachting world is always changing, and so is marine insurance. Our team can help you ensure that your policy is still the most comprehensive and competitive, and adjust your coverage as necessary. We offer consultations at no cost and no obligation. Comprehensive Marine Insurance will give you peace of mind while you’re out on the water and when your boat is moored.
Our specialized plans can cover:
- Yachts
- Sailboats
- Runabouts
- Ski Boats for water sports
- Jet skis
- High performance boats
