For Homeowners, Tenants,
Plex Owners,
and Chalets
A structured protection system designed to protect your property, your financial stability, and your continuity after a loss. Whether you live in the property, rent it, or own it as an investment — Troika Residential Continuity Protection™ keeps you covered.
Property & Asset Protection
Protecting the physical structure and contents
Includes protection for
- Building replacement cost (homes, plex, rental dwellings, chalets)
- Condo improvements and tenant improvements
- Personal belongings and contents
- Detached structures (garage, sheds, outbuildings)
- Equipment and installations attached to the building
- Sewer backup and water damage
- Flood protection (where available)
- Fire, theft, vandalism, and weather damage
Reconstruction cost verification to ensure full rebuilding capability and eliminate underinsurance risk.
This ensures your property can be fully restored after a loss.
Living & Income Continuity Protection
Protecting your financial stability and ability to recover
Includes protection for
- Additional living expenses if the property becomes uninhabitable
- Loss of rental income for landlords and plex owners
- Coverage for tenant relocation expenses
- Protection for secondary residences and seasonal properties (chalets)
- Coverage aligned with owner-occupied or rented status
Continuity-based protection aligned with your real financial exposure and living situation.
This ensures stability during the recovery period.
Liability Shield
Protecting you from financial and legal exposure
Includes protection for
- Personal liability protection
- Property owner liability protection
- Tenant liability protection
- Protection against bodily injury or property damage claims
- Legal defense costs
Liability structuring aligned with ownership type, occupancy, and exposure level.
This protects your assets and long-term financial security.
The Troika Difference:
Continuity-Focused Residential Protection
Troika Residential Continuity Protection™ includes structured advisory and proactive review:
- Property reconstruction cost validation
- Coverage gap identification
- Protection aligned with occupancy and usage
- Protection aligned with investment and ownership structure
Our objective is simple:
To ensure a loss does not disrupt your home, your income, or your financial stability.
Ideal for
- Homeowners
- Tenants
- Condo owners
- Plex owners (duplex, triplex, multi-unit buildings)
- Real estate investors
- Rental property owners
- Chalet and secondary residence owners
Ready to Protect Your Home?
We'll assess your situation and build a continuity plan tailored to your property and lifestyle.
Talk to a Broker