Your high value home may not be adequately covered under a standard homeowner insurance policy. Instead, you may need a policy that fills in coverage gaps and recognizes the unique coverage needs of the finest built homes. These polices are designed to protect homes with values usually in excess of $750,000. We can assist you in selecting a flexible policy to protect your home and your family
for years to come.
Some of your coverage options may include the following:
Property coverage: Many policies may cover the full replacement cost of your home, even if it exceeds policy limits. Compensation rates are determined with similar construction quality and specialized location in mind. The goal is to completely restore your home and family to your accustomed lifestyle.
Valuable contents coverage: Contents coverage may replace your property with the same or similar quality items. An added benefit of this policy is the coverage of valuable luxury items, such as jewelry, fine art, electronic equipment, antiques, wine and other items of value.
Increased expenses coverage: After a covered loss, rebuilding efforts may be thwarted by a higher mortgage rate or changes in building code. This policy can cover the difference between what you previously paid and what you are expected to begin paying.
Sewer and drain backup coverage: Sewer backups and drain or toilet overflows can lead to high expenses associated with cleanup and repair work. This coverage can be added to your policy to protect against these detrimental incidents.
Secondary residence coverage: Vacation and/or seasonal homes should be similarly insured. You can add multiple homes to your high value home insurance policy to protect all of your properties against potential risks.