Exclusive Service — Homes $1M–$10M
Your home is exceptional.
Your coverage should be too.
Standard home insurance was not designed for custom estates, architecturally significant properties, or homes with premium finishes and collections. We built a dedicated program for Edmonton homeowners whose properties demand more — and whose time is too valuable for anything less.
The Koester Commitment
What every high-value client receives
- Phase 1 Site Visit — $100 — fully credited to your policy
- Phase 2 GRC Report — Locks in Guaranteed Replacement Cost
- Emergency Claims Response — Pre-arranged contractor network, one call
- Anniversary Appraisal Credit — $200 toward jewelry or collectibles appraisal
- Deductible Waiver Promise — $1,000 waiver under qualifying conditions
The Site Visit Program
Coverage that starts with knowing your home.
Most brokers place high-value home coverage based on a questionnaire. We visit. Two structured site visit tiers give you the documentation your insurer needs — and the certainty you deserve.
A comprehensive walk-through of your home conducted by a Koester Insurance advisor. We document construction quality, premium finishes, mechanical systems, smart-home infrastructure, and any features that affect replacement cost or risk profile.
- Full interior and exterior documentation
- Identification of coverage gaps in your current policy
- Preliminary replacement cost estimate
- Recommendations for scheduled items (art, jewelry, collections)
- $100 fee fully credited toward your first-year premium
A qualified estimator produces a detailed Guaranteed Replacement Cost report — the formal documentation required by premium insurers to lock in GRC coverage on your dwelling. This is the gold standard for high-value home insurance and eliminates the risk of being underinsured at claim time.
- Certified replacement cost estimate by a qualified appraiser
- Formal GRC documentation accepted by all major insurers
- Eliminates coverage shortfall risk at claim time
- Covers custom millwork, imported materials, and specialty systems
- Report updated at each renewal to reflect construction cost changes
Points of Difference
Services no other Edmonton broker offers.
These are not marketing promises. They are structured commitments with defined triggers, documented timelines, and real financial value — designed to earn and keep your trust for the long term.
Emergency Response
Emergency Claims Response Team
When a major loss occurs, you make one call. We activate a pre-arranged network of emergency contractors, restoration specialists, and temporary accommodation providers under the Koester Insurance banner — coordinated before you need them, not after.
Adjuster Accountability
$1,000 Deductible Waiver Promise
If your assigned insurer adjuster fails to make substantive contact within 24 hours of a material written claim update, we document the timeline and waive your first $1,000 deductible. Conditions apply — but the promise is real and the threshold is fair.
One-Year Anniversary
$200 Appraisal Credit
On your first policy anniversary, we provide a $200 credit toward a professional appraisal of jewelry, fine art, wine, collectibles, or other scheduled personal property. Proper appraisals are the most common gap in high-value coverage — this credit closes it.
Coverage Accuracy
Guaranteed Replacement Cost
Standard policies cap your dwelling coverage at a stated limit. GRC removes that cap — your insurer agrees to rebuild your home to its original standard regardless of cost. We are one of the few Edmonton brokers who require GRC documentation before placing coverage.
Independent Broker
No Insurer Allegiance
As an independent broker since 1963, we compare options across our insurer partners to find the right fit for your property — not the policy that pays us the most. High-value homes require specialized markets; we know which ones perform at claim time.
Long-Term Relationship
Annual Coverage Review
Your home's value changes. Construction costs change. Your collections grow. We conduct a structured annual review of your coverage — not a renewal auto-send — to ensure your policy reflects your property's current reality.
The Deductible Waiver Promise
We hold insurers accountable.
So you don't have to.
The claims process is where insurance relationships are made or broken. For high-value clients, a delayed response from an adjuster is not a minor inconvenience — it can mean weeks of uncertainty about a property worth millions.
Our deductible waiver promise creates a documented accountability standard. When you submit a material claim update in writing and the assigned adjuster does not respond substantively within 24 hours, we step in — documenting the timeline, escalating on your behalf, and waiving your first $1,000 deductible on that claim.
Qualifying conditions
- —Continuous Koester Insurance client for 12+ months
- —Covered loss of $10,000 or more
- —Material claim update submitted in writing (email or portal)
- —No substantive adjuster response within 24 hours
- —Applies once per policy period
One-Year Anniversary
Appraisal Credit
On your first policy anniversary, we provide a $200 credit toward a professional appraisal of any scheduled personal property — jewelry, fine art, wine collections, antiques, or collectibles.
Why this matters
Scheduled items require separate documentation to be covered
Most claims disputes on high-value homes involve personal property
A current appraisal is the only proof of value an insurer will accept
Common Questions
Everything you need to know about high-value home coverage.
Ready to Begin
Your home deserves a broker who visits it.
Schedule a no-obligation consultation. We will review your current coverage, explain the site visit program, and give you a clear picture of what proper high-value home insurance looks like — before you commit to anything.
Koester Insurance Services