High Value Homeowners Insurance

Protection For Exceptional Homes

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What is High Value Homeowners Insurance?

If you own an older, hard to replace, or a high value custom home with expensive furnishings and valuables, you will likely prefer to have a specialized homeowners policy due to the broader range of coverages that ensure you are completely protected. These policies may appear to be just like a regular homeowners policy but they in fact are completely different.

A High-Value Homeowners Policy Ensures
% Dwelling Replacement Cost

What Determines a High Value Home?

Most insurance companies may offer high value home insurance to customers who own homes worth at least $750,000 while some require that the home be valued at $1 million or more. Home values and prices vary throughout the country and insurance companies have differing coverage requirements. If you feel that your home and its contents exceed the normal homeowners policy restrictions, please contact us today and we can help find an appropriate insurer.

How is High Value Insurance Different?

A typical homeowners policy will have caps or limitations on contents coverage but a high-value homeowners policy will cover the full value of your high-end items. Additionally, a high value homeowners policy will allow you to fully rebuild and recover if your home is damaged and allow you to rebuild your home to its previous state or value.


Coverage Options for High Value Home Insurance

Excess liability and umbrella liability coverage provides you with the full coverage you need to handle lawsuits by allowing you to retain the best possile legal advisors and to cover any fines or assessments that may be required.

Liability insurance to cover hired help will cover any employees who incur medical expenses if someone if injured while on the job or while in your home. This coverage also includes lost wages as well as damages if you are sued and it is determined to be responsible for their injuries.

Flood insurance has limitations that are well below that need for high value homes

DFI Insurance Can Help!

let our licensed experts help with your insurance needs!

Let our licensed experts aggressively compare and shop between our numerous top carriers to ensure we get exactly the coverage you need at the most affordable rates possible. We make the process simple, fast, and reliable.


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Why DFI Insurance

35 Years of Excellent Service
At DFI Insurance, our mission begins with a belief that our existence is to serve and respect our customers. Their satisfaction is the best measure of our success. Our execution is only possible by aligning with the highest quality insurance providers available then working hard to match our customers needs directly with these providers.
Wide Selection of Carriers and Coverages
DFI Insurance has special access to top carriers that provide excellent support and low rates ensuring you are protected. DFI Insurance has coverages ranging from auto, homeowners, life insurance, commercial business insurance and more!
Personalized Service
At DFI Insurance our licensed agents get to know you and your insurance needs and we offer unbiased information since we work for you. Let our knowledgeable, experienced professionals customize an insurance solution and make sure you get the best coverage at the best rates possible!

Some Additional Personal Insurance Offerings


Home & Property

Coverage for homes, rentals, and other personal property


Other Personal Insurance

We have many additional types of insurance coverage to protect you and your family

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The content of this site is descriptive only. The precise coverage offered is subject to the terms and conditions of the policies issued. Coverage may not be available in all jurisdictions or applicable in all situations.