High-Value Home
Insurance

While both types of policies aim to protect your home and belongings, the difference lies in how deeply they do so. Think of it as the difference between general care and custom support. One size may not always fit all.

• Standard Policies: Come with set limits that may not be enough for homes with custom features or high-value contents.
• High-Value Policies: Offer greater flexibility with higher limits (particularly for valuable personal property) so you’re not underinsured. These policies also provide higher personal liability limits and may reduce the need to schedule each item individually.

• Standard: May use Actual Cash Value (ACV) for personal items, which factors in depreciation.
• High-Value: Often uses Guaranteed Replacement Cost for the home and Replacement Cost or Agreed Value for personal belongings, meaning your home and items are restored to their original condition, not depreciated value.

• Standard: Often combines "named perils" for personal property with "all-risk" for the dwelling.
• High-Value: Usually offers true all-risk protection for both the home and your belongings, which covers more scenarios unless explicitly excluded.

• Standard: Offers basic add-ons with limited customization.
• High-Value: Includes or allows add-ons tailored to unique needs such as:
• Identity theft and cyber protection
• Equipment breakdown for smart home systems
• Domestic employee liability
• Higher limits for sewer and drain backups
• Crisis response services and more

• Standard: Traditional underwriting and claims handling.
• High-Value: Offers more hands-on service, often including home visits, loss prevention tips, appraisals, and support from claims experts trained to handle unique situations.