Important Protection for your High Value Assets



When you have family, multiple homes, fine valuables, and a reputation to protect, insurance gets complicated!  AVIVA’s ‘Ovation’ product makes it simple by giving you VIP claims service and a full range of coverage options.

The Ovation product provides you with loss profession advice to help manage your physical risks and preserve your assets.


  • Homeowner’s, Condo or Tenant’s
  • Water Damage Coverage (including Sewer back-up and Overland water)
  • Personal Liability
  • Equipment Breakdown
  • Household Lifestyle Protection
  • Scheduled Articles
  • Fine Art (no sub-limit)
  • Mold Remediation (following a loss)
  • Pet Expenses (veterinarian)
  • Mortgage Rate Protector
  • Private Passenger Vehicles & Motorcycles
  • Personal Umbrella
  • Recreational Vehicles (including trailers, classic cars, and watercraft

Equipment Breakdown

  • Up to $250,000 limit
  • Includes the following:
    • Heating and cooling systems
    • Home entertainment equipment
    • Refrigerator units
    • Back-up generators
    • Control systems managing HVAC or lighting cycles
    • Elevators
    • Smart home systems
    • Pool equipment

Household Lifestyle Protection

  • Professional services $100,000
    • Forensic Analyst
    • Public Relations Consultant
    • Interpreter
    • Security
    • Negotiator
  • Medical expense $100,000
  • Reward $50,000
  • Loss of income $30,000
  • Travel expenses $25,000
  • Rest and recuperation $25,000
  • Private security $25,000
  • Home and auto modifications due to injury $25,000
  • Security enhancements $5,000

Scheduled Articles

  • Jewellery, valuables, fine arts, collectibles, etc.
  • Wine, including spoilage
  • Animals for death by named perils and theft
  • Breakage, earthquake and flood included
  • Worldwide coverage
  • Individually scheduled items or blankets
  • No deductible
  • Pairs and sets
  • Newly acquired property up to 25% of existing schedule
  • Loss in value for partial losses
  • Market value guarantee up to 150%

Personal Umbrella

  • Worldwide coverage
  • Personal injury, including libel, slander and defamation
  • Independent legal consulation
  • Public image consulation
  • Excess uninsured/underinsured motorist coverage


  • Dedicated claims adjuster
  • One point of contact for all of your policies
  • Cash settlement options available
  • Choice of auto report shops and contractors
  • 24/7 with after-hours support

Contact our Team today to learn more about AVIVA’s ‘Ovation’ product or to find out if it’s the right insurance solution for you and your family!


Thank you,

Your Costen Insurance Team