We recognize that a high value home is more than just a residence—it's a significant investment that requires specialized coverage. Our High Value Home Insurance is crafted to provide comprehensive protection for luxury properties, ensuring that your home and its valuable contents are fully covered.
Luxury homes often feature unique architecture, high-end materials, and custom installations that standard home insurance policies may not adequately cover. High Value Home Insurance is specifically designed to address the unique needs of luxury property owners, providing enhanced coverage limits and specialized protections that go beyond conventional policies.
We agree on the value of your home when the policy is written, ensuring that in the event of a total loss, you receive the full insured amount without depreciation.
Protects against a wide range of risks, including natural disasters, theft, and vandalism, with higher limits to fully cover your luxury home and belongings.
If the cost to rebuild your home exceeds the policy limit due to unexpected circumstances, this coverage provides additional funds up to a certain percentage over the insured value.
Extensive coverage for expensive possessions such as artwork, jewelry, and collectibles, including items usually subject to caps in standard policies.
Covers the repair or replacement of damaged equipment in your home, such as HVAC systems, appliances, and smart home technologies.
Provides for higher living expenses if your home is uninhabitable after a covered loss, ensuring you maintain your standard of living while repairs are made.
Understanding the intricacies of insuring high value homes, our team offers expert risk assessment services to identify potential vulnerabilities and recommend protective measures. We provide personalized service to ensure that your coverage meets all of your specific needs and preferences.
High value home insurance offers higher coverage limits, more comprehensive coverage for the structure and contents, and often includes additional benefits such as risk assessment services, cash settlement options, and coverage for rare and valuable possessions. It also typically provides greater personal liability coverage.
Owners of homes that are significantly more valuable than the average dwelling, usually valued at $750,000 or more, should consider high value home insurance. This includes homes with custom architecture, luxury features, and expensive contents such as art, antiques, and jewelry.
Yes, high value home insurance policies often include specific coverage for valuable items such as art, jewelry, antiques, and collections. These items may require appraisals and could be covered under specialized endorsements or floaters to ensure full protection.
Contact us today at Able Insurance. Our expert advisors are here to help you find the best coverage and answer any questions you may have.
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