Coverage
High Value Home Insurance
High Value Home Insurance is designed for luxury residences, estates, and homes with significant replacement values. These premium policies offer guaranteed replacement cost coverage, higher liability limits, and specialized coverage for fine arts, jewelry, wine collections, and other valuables. Our…
Who Needs This Coverage
- Owners of homes valued at $1 million or more
- Owners of custom-built or architecturally significant homes
- Those with valuable art, jewelry, or wine collections
- High-net-worth individuals and families
- Owners of vacation homes and second residences
What's Covered
- Guaranteed replacement cost dwelling coverage (up to $30M TIV)
- Extended replacement cost options
- Other structures coverage (guest houses, pool houses)
- Worldwide personal property protection
- Scheduled coverage for valuables (jewelry, art, wine)
- Enhanced liability limits (up to $1M or more)