High-Value Homeowner's Insurance Solutions
Customize coverage for homes worth up to $25 million.
Types of Homes

Make sure the hard work your client put into building their property is properly protected. Find insurance solutions for high-value homes ($750,000 dwelling or above) anywhere in the contiguous United States. Coverage available for:

  • Primary residences.
  • Secondary residences.
  • Seasonal homes.
  • Long-term rentals.
  • Short-term rentals.
  • Homes offered on AirBnB and other web-marketed rentals.

Quick quotes are available for high-value homes based on the total insured value (TIV):

  • Max TIV: Unlimited
  • Instant quotes for TIV under $3 million
  • Average 1-3 day quote turnaround for TIV of $3M – $25M
  • Average 3-7 day quote turnaround for TIV over $25M.

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Coverage Highlights

Coverage Highlights

  • Customizable limits with ability to exclude other structures, personal property, or loss of use
  • Personal liability coverage up to $1,000,000
  • Ability to cover homes in protection class 9 and 10
  • Ability to cover older homes
  • Coverage for high profile individuals

Coverages included at no additional charge:

  • Replacement cost on personal property
  • Identity fraud recovery
  • Home systems protection / mechanical breakdown
  • Service line
  • Eco coverage

Optional Coverages:

  • Extended replacement cost on dwellings up to 200 percent
  • Loss assessment up to $50,000
  • Limited mold coverage – property up to $100,000, liability up to $300,000
  • Water back-up limit up to $250,000
  • Personal injury
  • Ordinance & law – up to 25 percent
  • Replacement cost on certain non-building structures
  • Earthquake coverage
  • Golf cart physical damage including collision
  • Increased special limits of liability
  • Inflation guard

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Eligibility Attributes

Desirable Risk Profile

  • Homes updated within the past 15 years
  • Central burglar and central fire alarms
  • 150 feet of brush clearance minimum
  • No loss history
  • Homes in the name of a corporation, LLC, or trust
  • Personal articles collection

Undesirable Risk Profile

  • Vacant properties
  • Homes with any single loss greater than $50,000 or any current open losses
  • Greater than three losses in the past five years
  • Homes that have not been updated in the past 30 years (including roof, plumbing, wiring, heating)
  • Commercial farming operations
  • Business conducted on premises
  • Fixed burglar bars (quick-release acceptable)

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