What is high value home insurance?

High value home insurance, for homes valued at $1 million or higher, covers:

• Destruction of home/condo

• Loss or theft of home/condo contents

• Damage caused by pets

• Damage to landscape

• Loss or theft of personal property while on vacation or away from home

• Cost to repair or replace high tech equipment

• Physical and mental expenses caused by home invasion, stalking, carjacking, kidnapping, or child abduction

A high value homeowners insurance policy includes these options:

• High deductibles available; up to $100,000 to reduce annual premiums

• Guaranteed rebuilding cost, without being penalized for depreciation

• Replacement of home/condo contents, without being penalized for depreciation

• Cash settlement up to the coverage limit to rebuild or purchase a new home

• Earthquake coverage

• Excess flood coverage

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