High-Value Home Insurance
High-value home insurance protects luxury properties with coverage that standard policies simply can't match. We work with carriers that specialize in homes worth $750,000 and above.
Standard home insurance policies have limits. Replacement cost caps. Personal property sub-limits. Liability ceilings. For high-value homes, those limits leave dangerous gaps. You need a policy designed for your property's unique characteristics.
High-value home insurance from specialty carriers provides broader coverage, higher limits, and a claims experience that matches the quality of your home.
What Makes High-Value Home Insurance Different?
• Guaranteed replacement cost - No caps on rebuilding. If your home is destroyed, the carrier pays whatever it costs to rebuild it, even if costs exceed your policy limit.
• Higher personal property limits - Standard policies often limit jewelry to $1,500 and art to $2,500. High-value policies provide much higher limits or no sub-limits at all.
• Coverage for fine art, jewelry, and collectibles - Proper valuation and protection for valuable items that standard policies underinsure.
• Extended liability protection - $1 million or more in liability coverage, often with umbrella policy integration.
• Cash settlement options - Choose to receive cash instead of having the carrier manage repairs. Many high-value homeowners prefer hiring their own contractors.
• Broader covered perils - Protection against more types of losses, often including some perils that standard policies exclude.
• Equipment breakdown coverage - Protection for sophisticated home systems like HVAC, elevators, generators, and smart home technology.
Who Needs High-Value Home Coverage?
• Homes valued at $750,000 or more - The threshold varies by carrier, but $750K is a common starting point.
• Properties with custom features or high-end finishes - Custom millwork, imported materials, and specialized construction require specialized coverage.
• Homes with significant art or collectible collections - Standard policies severely limit coverage for valuables.
• Properties with unique architecture - Historic homes, architecturally significant properties, or custom designs.
• Waterfront or estate properties - Larger properties with multiple structures, extensive landscaping, and waterfront exposure.
What High-Value Policies Typically Cover
• Full replacement cost - Even if it exceeds your policy limit.
• Valuable items without sub-limits - Jewelry, art, wine collections, and collectibles at full value.
• Landscaping and outdoor features - Mature trees, custom hardscaping, and outdoor living spaces.
• Home office equipment - Coverage for expensive home office setups.
• Identity theft protection and restoration - Help recover from identity theft.
• Higher liability limits - $1 million or more standard, with umbrella options.
The Claims Difference
High-value carriers handle claims differently from standard insurers. You often get a dedicated claims specialist who understands luxury properties. They connect you with contractors who specialize in high-end construction. Many offer cash settlements if you prefer to manage repairs yourself.
The claims experience matches the premiums you pay. White-glove service when you need it most.