Valuable Possessions
Protect your cherished possessions and valuable assets with comprehensive coverage specifically designed for your most valuable items.
be certain your assets are properly protected
Tailored coverage for luxury homes and valuable assets, ensuring comprehensive protection and peace of mind for homeowners with unique property and high-value belongings.
High-value homeowners insurance is designed for individuals who own luxury or high-value properties. These properties often have unique features, high-end finishes, valuable assets, and higher replacement costs. High-value coverage offers higher policy limits and additional features to adequately protect these properties and their contents.
Coverage and Features of High-Value Homeowners Insurance:
- Dwelling Coverage: This covers the physical structure of your home, including repairs or rebuilding costs. High-value coverage may provide higher policy limits to account for the increased value of the property.
- Personal Property Coverage: This covers your personal belongings, such as furniture, electronics, jewelry, and artwork. High-value policies often offer higher limits for personal property to account for valuable possessions.
- Extended Replacement Cost: This feature ensures that you have enough coverage to rebuild or repair your home, even if the cost exceeds the policy limits. It provides an additional percentage (e.g., 25% or 50%) above the dwelling coverage limit.
- Valuable Items Coverage: High-value policies typically offer higher coverage limits for valuable items, such as jewelry, fine art, antiques, or collectibles. You may also have the option to schedule these items individually for more comprehensive coverage.
- Loss of Use Coverage: If your home becomes uninhabitable due to covered damage, loss of use coverage helps pay for temporary living expenses, such as hotel stays or rental accommodations.
Please contact us so that we can provide you with details about our available policies, coverage options, and any specific requirements for your situation.
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