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.

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.

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.

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