A high-value home — custom construction, premium finishes, significant acreage, or a seven-figure replacement cost — outgrows a standard homeowners policy fast. The right coverage comes from carriers that specialize in luxury and estate homes, offering guaranteed or extended replacement cost, higher liability and umbrella limits, broad coverage for jewelry, art, and collections, and white-glove claims service. We match your home to those markets and structure the protection around what you have actually built.
Who this is for
Luxury & custom homes
Architect-designed and custom-built homes with premium materials.
Estates & acreage
Large properties, guest houses, and outbuildings on significant land.
Collectors
Owners with valuable jewelry, fine art, wine, or collections to schedule.
What it covers
- Guaranteed / extended replacement cost
- High dwelling and other-structures limits
- Scheduled valuables: jewelry, art, collections
- High personal liability + umbrella options
- Cash settlement and rebuild flexibility
- Concierge-level claims handling
What sets high-value coverage apart
High-value carriers don’t just offer bigger limits — they offer fundamentally better terms. The headline feature is guaranteed or extended replacement cost, which rebuilds your home even if costs exceed the policy limit (a real risk after a regional disaster spikes labor and materials). You also get higher liability limits, broad coverage for jewelry, art, and collections, cash-settlement flexibility if you choose not to rebuild, and claims handling built for complex homes.
Scheduling your valuables
Standard policies cap categories like jewelry, watches, fine art, and wine at low sub-limits — often a few thousand dollars, far below what a single piece may be worth. Scheduling those items on your policy insures them for their appraised value, frequently with no deductible and broader “mysterious disappearance” coverage. We help you identify what to schedule so a lost ring or damaged painting is actually covered.
Why a standard policy leaves gaps
A custom or luxury home insured on a standard policy is usually underinsured in ways that only surface at claim time — capped replacement cost, thin valuables limits, and liability that doesn’t match your exposure. High-value carriers are built for exactly these homes, and because they expect well-maintained properties, the pricing is often surprisingly competitive. We’ll tell you honestly whether a standard or specialty market is the better fit for you.