If a fire or another event destroys your home, our coverage gives you the option to rebuild or receive a cash settlement. It’s that simple; you decide.

Our coverage provides peace of mind in knowing that your luxury home can be rebuilt to the same standard, even when the actual cost to do so exceeds your coverage limits.1

Our high value Homeowners policy includes $50,000 of coverage for lost, misplaced or stolen jewelry. This helps to better protect your valuables that are not covered by a dedicated Collections policy and avoid out-of-pocket expenses at the time of a claim.2

If a sewer backs up and causes your drains (whether inside or outside of your home) or toilets to overflow, we will pay to clean it up and replace or rebuild damaged property, up to the limit on your policy.

We give you the flexibility to choose a deductible for your luxury home policy that best fits your lifestyle and we also recognize that large losses can be extremely disruptive. So, if your deductible is $25,000 or less and you experience a covered loss that is more than $50,000, we will waive your deductible.

For covered losses greater than $10,000, we will contribute up to $2,500 to help you implement a solution that reduces the likelihood of a similar loss. Members use this benefit to invest in whole-house generators, leak detection systems, lightning suppression systems and other loss prevention solutions.