HIGH-VALUE home Insurance

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  Protects the structure of your home, including high-end materials and custom-built features, against risks like fire, storm damage, and vandalism.

Ensures your home can be fully rebuilt to its original specifications, even if the cost of materials and labor has increased beyond your policy’s limits.

Covers high-value possessions such as designer furniture, artwork, jewelry, antiques, and collectibles, with higher limits than standard policies.

If your home becomes uninhabitable due to a covered loss, ALE covers the cost of luxury temporary housing, dining, and other expenses while repairs are completed.

Covers legal expenses and settlements if someone is injured on your property or if you are held responsible for damages to others. High-value policies often include higher liability limits for added peace of mind.

Provides protection against claims related to defamation, slander, or other personal liability risks, which can be especially important for high-profile homeowners.

Covers costly damages caused by sewer or drain backups, which are often excluded from standard homeowners insurance policies.

Repairs or replaces high-end appliances, HVAC systems, and other home equipment that fail due to mechanical or electrical breakdown.

An extra layer of liability protection that goes beyond the limits of your home insurance, ensuring you are covered in case of high-cost claims or lawsuits.

Specialized coverage for homes in high-risk areas, offering proactive risk assessment, wildfire defense services, and flood damage protection.

Many high-value home insurance policies include access to security experts who can recommend customized protection plans, such as advanced alarm systems, fire prevention strategies, and private security consultations.

Many high-value home insurance policies include access to security experts who can recommend customized protection plans, such as advanced alarm systems, fire prevention strategies, and private security consultations.