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High Value Home Insurance

Johnson City High Value Home Insurance

If you are like most financially successful individuals, you may have a great deal of wealth invested in your home. Typical homeowners insurance policies may not be suitable for your situation. If you have a high value home with high dollar furnishings and valuables, you may need specialized insurance to cover your investments for damage or loss.  With a typical homeowners insurance policy there is a great risk you may not be able to replace your beautiful home if disaster strikes. Why? Your home’s market value is probably higher than what your current policy will cover.

Traditional homeowners insurance policies may not be enough

  • Traditional homeowners policies often place caps on coverage for items such as furs, silver, jewelry and fire arms.
  • Homeowners policies typically limit the cap on contents coverage at 50% to 75% of your home’s value. This is typically not high enough for high-wealth individuals and collectors.

What constitutes a “high value home”?

Home values and prices vary throughout the country and insurance companies differ in their coverage requirements. It pays to shop around a bit before you purchase a policy. If you feel that your home and its contents exceed the normal caps for standard home insurance carriers, you may want to discuss high value home insurance with us so we can help you determine your needs and find you a suitable policy.

Why do luxury homes need special insurance?

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 home owners 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. In the event that 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.

You’ll be surprised how affordable it is to cover your whole house with a Johnson City high value home policy.

Here are two reasons to act now:

  1. Each day you wait exposes your family to great loss in case your home is struck with a disaster.
  2. A no-risk quote can give you immediate peace of mind that your home replacement costs will be covered. Just fill out this short form and we’ll show you how inexpensive this coverage is.


Click here to get your FREE QUOTE

Personalized for your individual needs.
We have an exclusive program designed especially for your High Value Home Insurance needs.