Above about a million, the standard market stops being the right market.
We cover homes above the standard carriers’ ceiling, written on agreed value, with schedules for the art, jewelry, wine and collections a standard homeowners policy sub-limits into uselessness.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
Send us what you have. We’ll tell you if it’s right.
Your current policy paperwork, a renewal notice, or nothing at all. A licensed agent reads it and replies the same business day.
What high-value home insurance actually covers.
Guaranteed or extended replacement cost
The rebuild is paid even if it exceeds the stated limit.
Without it — A standard policy caps at the limit, and custom construction reliably costs more to rebuild than to buy.
Scheduled valuables
Art, jewelry, wine and collections itemised at agreed values.
Without it — Standard policies sub-limit jewelry to a few thousand dollars in total, not per item.
Excess personal liability
Umbrella limits appropriate to the assets they are protecting.
Without it — A judgment beyond the policy limit reaches the assets directly.
What clients with high-value home insurance ask us.
What counts as a high-value home?
As a rule of thumb the standard market thins out above roughly $1M of dwelling coverage and effectively ends around $2M, though it varies sharply by state and by carrier appetite. The trigger is not really the price of the house. It is custom construction, unusual materials, a long rebuild time, or a contents schedule the standard forms cannot hold. If you own a single item worth more than about $10,000, that alone is usually reason enough to move.
Is it more expensive?
Per dollar of coverage, usually less, which surprises people. The high-value carriers underwrite a better-performing book, inspect the property, and price on the actual rebuild cost rather than on a formula, and they include as standard the things a standard policy charges to add back, such as full replacement cost, cash settlement options and much higher liability limits. The catch is the inspection: they will ask for updates to wiring, plumbing or roofing and they will mean it.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.