top-rated coverage

Our International High Net Worth Products

XN High Value Homeowners Insurance

  Coverage features may vary according to risk location.

XN is proud to offer a high value residential solution specifically designed to meet the needs of high net-worth clients. XN High Value Homeowners’ Insurance offers comprehensive coverage for primary and secondary homes, as well as condominiums (including improvements and betterments). Additional optional coverage includes: valuable articles, worldwide personal property, course of construction/renovations earthquake and flood/surface water coverage are available.

  • Extended replacement cost, with no obligation to rebuild;
  • Replacement cost value, with no obligation to replace personal property;
  • No limitation on fine arts under personal property coverage;
  • Earthquake coverage for personal property;
  • Sewer backup to policy limit.

XN High Value Condo Insurance

  Coverage features may vary according to risk location.

XN's High Value Condo Insurance is crafted to provide comprehensive and affordable coverage to protect personal property and improvements and betterments.

  • Special limits of liability, including:
    • Jewellery, watches and furs
    • Money, including cash cards
    • Computer software
    • Audio and video supports
    • Works of art
    • Property pertaining to a business
    • Wine
    • Personal property in a safe-deposit box
    • Frozen and refrigerated foods caused by mechanical breakdown of the freezer or by utility company power interruption
  • Coverage for any additional living expense and/or fair rental value loss incurred by the insured;
  • Coverage for personal property of a relative of whom you have legal custody but who lives in a nursing home or seniors’ residence;
  • Also available for regular condominiums.

XN High Value Tenants Insurance

  Coverage features may vary according to risk location.

XN's High Value Tenants Insurance is crafted with "all risk" type protection for on premise furniture, clothing and electronics against the risk of fire, theft and damage.

  • Replacement cost value, with no obligation to replace personal property
  • Earthquake coverage for personal property
  • 10% of personal property is extended to betterments and improvements

Optional Coverage
  • Earthquake insurance on dwelling
  • Flood insurance/surface water infiltration
  • Valuable articles, fine arts, fine arts breakages
  • Extended wine coverage (all risk)

XN Course of Construction Insurance

  Coverage features may vary according to risk location.

Available for new homes under construction or existing homes undergoing renovations, XN's Course of Construction Insurance provides comprehensive coverage to high valued homes.

  • Available for homes valued at $500,000 or more;
  • Covers residential properties up to a maximum of an owner occupied fourplex;
  • Dwelling coverage type: all risk, replacement cost;
  • 25% minimum earned premium;
  • Optional flood protection;
  • Earthquake coverage available;
  • Coverage available in semi-protected areas;
  • 25% sublimit for debris removal;
  • Transit/off-site storage coverage;
  • Theft of building material coverage.

XN Personal Umbrella Liability Insurance

  Coverage features may vary according to risk location.

XN's Personal Umbrella Liability Insurance is a product developed to ensure a stand-alone, additional cover for your clients and respond to their liability needs worldwide. This umbrella liability insurance coverage will indemnify in excess to primary liability cover in force with any provider.

  • Protection against and defense costs pertaining to personal injury and personal damage;
  • Worldwide cover;
  • Coverage for Uninsured/Underinsured Motorist Protection;
  • Director’s Liability of a Nonprofit Organization or Condo Association;
  • Effected with certain Lloyd’s Underwriters and other A-rated carriers;
  • Protection in excess of a homeowner, automobile or watercraft policy in force and maintained for the entire contract duration with minimum limits of:

  • Personal Liability $500,000 Each Occurence
    Automobile Liability $300,000 Combined Single Limit Each Occurrence
    Bodily Injury/Property Damage Liability
    Watercraft Liability $100,000 Combined Single Limit Each Occurrence
    Bodily Injury/Property Damage Liability

XN Automobile Insurance — USA only

  Coverage features may vary according to risk location.

XN offers comprehensive coverage for automobile insurance in the United States. Whether you live or spend considerable amounts of time in the United States, insuring your vehicle with XN will provide peace of mind and a sense of safety and security.

  • High liability limits are available
  • Matching uninsured-underinsured motorist coverage
  • “Agreed-value” (no depreciation) on your automobile
  • Broadened rental reimbursement
  • Choice of repair shops
  • Original manufactured parts
  • Road service coverage
  • Several other coverage enhancements are available

Cross-border compliance

We offer American and Canadian brokers the flexibility to place coverage on either side of border

Unique Expertise

A cross-border lifestyle creates specific risk and exposures that require specialized insurance solutions. XN has designed a program to serve the needs of Canadians owning property or spending considerable amount of time in the United States and American doing the same in Canada.

Compliant Solution

XN is duly incorporated under the laws of Canada and the USA.

Fully Licensed

Licensed in 50 USA States and 9 Canadian provinces, XN is able to transact business across both countries.

To obtain more information about our products, Send Us an Email