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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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