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Unique Home, Unique Risks

High Value Home Insurance

Your one-of-a-kind home comes with unique risks that need to be insured properly. High value homeowner’s policies differ between the various insurance providers and it is important to secure the right coverage for your unique situation. Whether you have one home or multiple homes, our experienced professionals will tailor a comprehensive plan that focuses on your priorities.

Consider Protecting Your:

  • High value home
  • Coastal property
  • Vacation home
  • Secondary buildings
  • Pool house
  • Fence and gazebo
  • Vacant property
  • Personal belongings
  • Legal liability from accidents or injuries

Protect Yourself From:

  • Property damage
  • Fire and smoke damage
  • Damage, loss, or theft of personal property
  • Replacement cost of lost items
  • Disasters and vandalism
  • Sewage and drain backups
  • Living expenses if displaced from your home
  • Reconstruction costs
  • Personal injury or damage to your guests
  • Kidnap and ransom


What is high value home insurance?

For most homeowners, standard homeowners policies offer sufficient protection. Residents who have particularly expensive houses, however, might need the extra coverages that high value home insurance can provide. High value home insurance is a specialized form of homeowners insurance. It’s uniquely designed for people who own expensive residences and, therefore, need more coverage for their house and themselves.

What coverages does high value homeowners insurance provide?

Most high value homeowners policies include the coverages that standard homeowners policies offer, as well as several other coverages. Additionally, they frequently have higher limits than standard homeowners policies do for the coverages that are found in both policies.

Does high value homeowners insurance cost a lot?

Because high value homeowners insurance generally provides more protection than standard homeowners insurance does, high value policies usually cost a little more than standard ones. For homeowners who have valuable residences, though, the additional coverages that high value policies offer are often worth the extra cost.

Who can get high value homeowners insurance?

There isn’t an industry-wide standard for how much a home must be worth in order to qualify for high value homeowners insurance. Many insurers only write high value policies for homes that are worth at least $750,000 or $1 million. Some insurance companies, however, offer these policies to homeowners whose residence are worth substantially less -- $300,000, in some cases.

How are homes valued for high value homeowners policies?

How homes are valued for high value homeowners policies differs slightly from insurer to insurer. It’s not uncommon, however, for insurers to send an appraiser to a home to value the home and its contents. An in-person appraisal is often the best way to get accurately determine how much a home and the items inside it are worth.



Every homeowner wants to be covered. God willing I'll never make a claim. It's a good feeling knowing I can call Geri if anything ever happens and she will figure it out. So gratefl she found coverage at a better premium. Thank you!

C. Catherine Sweet

Pleasant & informative. Helped me save money on both auto & homeowners Insurance.

Elsie J. Crowell

My agent, June Fostik, was advised of an extremely high increase with my homeowners' policy and my desire to change to a more cost-effective policy. June was able to secure a different insurance company that was more economical and with increased benefits. She helped by completing all of the paperwork (in my presence) and submitting the forms to the new insurance company. Your service and concerned interest in my needs have kept me a satisfied customer over many years.

Michael Masciale


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