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High-Value Home Insurance

  • Private Client & High-Net-Worth Insurance – Dedicated high net worth insurance agents for home, auto, life, flood, and umbrella insurance and solving complex insurance situations.
  • High Net Worth Insurance and Private Client Insurance Dedicated Account Executive and Service Team.
  • Guaranteed Replacement Cost on luxury, custom-built, high-end homes up to $5,000,000 insurance coverage in Ohio & Massachusetts
  • Full Replacement Cost on large, upscale homes up to 6,000 square feet. Coastal and waterfront homeowners insurance quotes are available for coverage up to $1,000,000 in Virginia, South Carolina, New Hampshire, and Massachusetts.

If you have a large or high-value home, you likely need more insurance coverage protection than what standard homeowners insurance policy offers.

When you’re considering “guaranteed replacement cost vs replacement cost” on luxury real estate, it’s important to have a guarantee than be left coming out-of-pocket in the even of a home insurance claim.

With high-value properties in Massachusetts, you will find the home insurance markets are limited. Most insurance companies want to insure properties that have a $500,000 Dwelling A or Rebuild value or less.

Guaranteed Replacement Costs for High-Valued homes up to $5,000,000.

High-Value Homeowners Insurance Quote

Request a High-Value Homeowners Insurance Quote in Ohio, Massachusetts, and Connecticut for up to $5,000,000 by filling out the online quote request form below or by calling 1-774-847-7746.

Custom-built, luxury and high-end homes with larger square footage and custom upgrades tend to carry much higher replacement cost and require better coverage.

Our expert homeowners insurance agents can help you custom tailor a home policy that will best protect your property.

What do Insurance Companies consider “High Value Homes”?

The majority of New England insurance companies say “A High-valued home is generally categorized as one with a value in excess of $750,000 dwelling reconstruction cost.”

What Is High-Value Home Insurance?

Standard homeowners insurance policies meet the coverage needs of the majority of property owners. Homeowners who own luxury, large square footage, and expensive, and hard-to-replace homes likely require more coverage than standard home policy can provide. For these homeowners, Premier Shield offers high-value home insurance.

High value home insurance policies are custom quotes based on your expensive home’s unique features.

We take into consideration custom bathrooms & kitchens, as well as other custom home features to make sure your property is protected.

What Types of Coverages Do High-Value Homeowners Insurance Policies Offer?

  • Guaranteed Home Replacement Cost Coverage for up to $5,000,000
  • Unlimited additional living expenses while your home is being repaired or rebuilt
  • Up to $25,000 in medical payments coverage
  • Unlimited debris removal coverage and high landscaping coverage limits
  • Unlimited or “Full Coverage” Water-Backup guaranteed coverage up to $5M.
  • Increased limits for personal valuables like jewelry and fine art that typically have low limits of liability in a standard policy

What Types of Homes Need High-Value Homeowners Insurance?

If you own a large or expensive home that costs more than $750,000 to rebuild, your homeowner’s insurance policy needs may differ from a more traditional standard homeowner policy. Your property is worth more than the standard home, which makes it more expensive to replace or repair.

Many high-net-worth families that deal with cash purchases often ask ” What is high-value homeowners insurance, and is it really needed“?