Premium High Value Home Insurance
Exceptional coverage for luxury homes valued over $1,000,000. No maximum building limit, guaranteed replacement cost, and personalized service for high net worth clients.
Elite Coverage Features
Standard home insurance policies have limitations that don't suit luxury properties. Our high value home program provides comprehensive protection without compromise.
Guaranteed Replacement Cost
PremiumLimited guaranteed replacement cost ensures your home is rebuilt to original quality regardless of construction cost increases -- no cap on rebuilding costs.
All Risk Coverage
ComprehensiveComprehensive protection covering all perils unless specifically excluded, providing superior coverage compared to standard named-perils policies.
Personal Articles Coverage
IncludedEnhanced protection for fine art, jewelry, antiques, wine collections, and collectibles with worldwide coverage and agreed value settlements.
Premium Liability Protection
Up to $5MUp to $5,000,000 personal liability coverage protecting your assets from substantial claims, legal costs, and lawsuits.
Secondary & Seasonal Homes
AvailableStand-alone coverage for vacation homes, cottages, and secondary residences without the restrictions of standard policies.
Dedicated Claims Service
PriorityPriority claims handling with specialized adjusters experienced in high-value property losses, restoration, and luxury finishes.
Why Standard Insurance Falls Short
Standard home insurance policies were designed for average homes. Luxury properties have unique needs that require specialized coverage.
Building Limits
Standard policies cap replacement cost. If rebuilding exceeds limits, you pay the difference. High-value policies have no maximum.
Contents Valuation
Standard policies use actual cash value (depreciated). High-value policies use agreed value or replacement cost for contents.
Special Items
Fine art, jewelry, and collectibles have low sub-limits on standard policies. High-value programs include proper coverage.
Construction Quality
Standard claims may use equivalent materials. High-value coverage ensures original quality finishes and craftsmanship.
Claims Experience
Standard adjusters may lack experience with luxury properties. High-value programs use specialists who understand luxury homes.
Vacancy Restrictions
Standard policies void coverage if home is vacant 30+ days. High-value programs offer flexible occupancy terms.
High Value Home Insurance FAQs
What qualifies as a high value home?
Generally, homes with a replacement cost of $1,000,000 or more qualify for high value home programs. Some insurers set the threshold at $750,000 or $1,500,000 depending on the market.
How is guaranteed replacement cost different from replacement cost?
Standard replacement cost has a maximum limit. If rebuilding costs exceed that limit, you pay the difference. Guaranteed replacement cost has no cap -- your insurer pays whatever it costs to rebuild your home to its original specifications.
Do I need separate coverage for jewelry and art?
High value home programs typically include enhanced coverage for personal articles, but you may want to schedule high-value items individually. This ensures agreed-value coverage and worldwide protection for your most valuable possessions.
What about my vacation home or cottage?
High value programs can cover secondary homes, vacation properties, and cottages -- often as part of the same policy or as a separate stand-alone policy with the same premium coverage features.
Is the claims process different?
Yes. High value programs provide dedicated claims handlers with experience in luxury properties. They understand specialty materials, custom craftsmanship, and work with contractors who specialize in high-end restoration.
Get Your Premium Quote
Personalized coverage for your luxury home. Speak with a specialist who understands high-value properties.
Program Eligibility
- Minimum $1M dwelling replacement value
- Primary or secondary residence
- Good claims history
- Proper security and maintenance
Coverage Highlights
Related Coverage
Get Your Premium Quote
Personalized coverage for your luxury home. Speak with a high-value home specialist.
Call 416-628-1962ProtectYourLuxuryHome
Get premium coverage designed for high-value properties. Guaranteed replacement cost, no building limits, and dedicated claims service.