Owning a high-value home is more than just an investment—it’s a lifestyle. However, with luxury living comes the need for specialized protection. High-value home insurance carriers are designed to meet the unique needs of homeowners with upscale properties, offering more than just basic coverage… Check out our guide below.
Questions? Reach out to one of our knowledgeable agents. We’re eager to set you up with the right coverage and rate!
What Are High-Value Home Carriers?
High-value home insurance caters to homeowners whose properties exceed the limits of standard policies. These carriers specialize in insuring homes with high market values (typically $1.5 million or more), distinctive architecture, and valuable contents like art collections, jewelry, and antiques.
Unlike standard home insurance, high-value carriers offer tailored solutions that address the complexities of protecting luxury properties. For example, they consider custom construction materials, rare finishes, and unique designs.
Specialized Coverage for Luxury Homes
High-value home carriers go beyond basic protection by offering:
Full Replacement Cost Coverage: Ensures your home is rebuilt exactly as it was, even if the cost exceeds the policy limit.
Worldwide Coverage for Personal Property: Protects your belongings, whether they’re at home, in transit, or overseas.
Collections Coverage: Insures rare items like fine art, vintage wine, or antique furniture.
Enhanced Liability Protection: Covers high-net-worth individuals against potential lawsuits related to their property or lifestyle.
Why Work with High-Value Home Carriers?
Standard insurance might leave coverage gaps for unique or high-cost repairs. High-value carriers provide:
Expert Claims Management: With dedicated adjusters who understand luxury property repairs.
Customizable Policies: Tailored to fit your lifestyle and property needs.
Preventative Risk Management: Access to inspections and consultations to help minimize risks like fire or theft.
Our Trusted High-Value Carriers
At Cornerstone Insurance Agency LLC, we work with renowned high-value home carriers to ensure your luxury home and assets are fully protected. Let our agents help you find the perfect policy.
This article is for informational purposes only. You should not act based on this information without first consulting with your insurance agent; if you would like a quote from a Cornerstone Insurance Agency licensed agent, contact us. We disclaim all liability for actions taken or not taken by you based on the contents of this article which is provided “as is.” Cornerstone makes no representation that this content is error-free.