Owners of high-value homes tend to have non-residents, including staff and guests, in their homes. With many high-value items on display, luxury homeowners may be more concerned about loss due to theft than other homeowners. Burglars often also see high risk but high reward opportunities when targeting these homes.

Additionally, when you have expensive luxury items such as custom stained-glass windows from Italy, a wine cellar stocked with Chateau Lafluer wine from France, and fine woven Persian rugs, you may have a difficult time convincing a typical insurance company of their value following a loss, particularly if they are items that appreciate rather than depreciate in value.

To ensure that you are fully covered for the actual value of your high-end items and that you can rebuild your home in the event of a catastrophe, you need to have an elite home insurance policy through a company that understands your unique coverage needs and will value your belongings as much as you do.

High-value home insurance provides all the coverage offered by traditional homeowners policies and more. If a large portion of your home is damaged and needs to be rebuilt, high-value home insurance will allow you to rebuild your home to its previous state or value.