High Value Home Insurance

High-Value homeowners know that their properties are unique. A valuable asset that requires specialized Insurance and an Insurance Company that understands the coverage needs to be associated with High-Value homes. Our homes are often the single largest investment we make! The basic coverages provided by a standard homeowners insurance policy are insufficient to cover the risks, leaving coverage gaps. High-Value home policies will often go above and beyond a standard policy, offering extended replacement cost coverage for your dwelling and other structures. This benefit allows for reimbursement for house repairs after an occurrence that is above the limit listed in the policy. This is a great benefit if material and building costs rise after a disaster occurs. There is a “cash-out” option in most high-value home insurance policies, which allows for the option of taking the insurance check and building elsewhere.  Additional features are higher content coverage, blanket jewelry coverage, breakage coverage for antiques, fine art, and collectibles. Damage to one item in a pair or set can cause a problem when there is no exact replacement available. High-value homeowners insurance typically pays to replace the entire pair or set.

Working with Air Land & Sea Insurance Agency, we understand the unique needs of your valuable assets. You deserve to receive personal service and insurance coverage that is tailored to your specific needs. Specialized policy coverage for High-value homes offered are included but not limited to:

  • Dwelling Coverage
  • Other Structure
  • All Risk Coverage Content
  • Loss of use
  • Personal Liability
  • Medical Expenses
  • Replacement Cost/Cash Value
  • Blanket Jewelry Cost Coverage
  • Fine Arts, Antiques, Collectibles Including Breakage
  • Flood Insurance
  • Umbrella Coverage
  • Wind