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Home > Blog > High-Value Home Insurance
TUESDAY, NOVEMBER 30, 2021

High-Value Home Insurance

If you own an expensive, luxurious or upscale home, chances are you will need high-value home insurance. The right plan can help ensure your house and personal property are sufficiently protected with its expanded coverage limits. If you have a high-value home, contact the agents at Ifft & Palmer Associates LLC to find the plan that will best protect your investment. 

What is a High-Value Home? 

The definition of a high-value home may vary by insurer, but generally speaking, high-value homes are those valued above $750,000. These properties may be of historical or architectural significance or constructed from expensive or difficult-to-find materials. Replacement costs of these houses could reach $1 million or more, and standard homeowners policies may not be written to cover these expenses adequately in the event of a loss.  

What Does High-Value Home Insurance Cover? 


High-value home insurance typically covers your dwelling and your personal possessions in a more robust manner than standard homeowners insurance. High-value home insurance may also provide increased liability coverage. Although plans vary depending on several factors, the benefits of high-value home insurance may include the following: 

  • Expanded coverage liability availability for structure coverage, home contents and scheduled property such as jewelry, art and antiques 

  • Guaranteed replacement cost, which could pay for the total cost to repair or replace your home even when the amount exceeds your policy limits 

  • Increased liability coverage with high limits to protect you in the event of a lawsuit due to injuries occurring on the property or off the property 

  • Coverage for sewer backup 

  • All risks coverage for home contents   

  • Landscaping coverage for items such as shrubs and trees 

All policies vary, and the list above is not exhaustive. For more information on what a specific policy covers, contact Ifft & Palmer Associates. 

What Does High-Value Home Insurance Cost? 

With all the different options available, premiums on high-value home insurance vary depending on the circumstances. Specifics regarding each dwelling and the contents within will likely factor into the total cost.  

The experienced agents at Ifft & Palmer Associates are ready to help you find the plan that best protects your valuable assets. Please reach out to them today at (412) 471-0500 for additional information regarding high-value home insurance. 

Posted 1:02 PM

Tags: high, value, home, homeowners, policy, coverage, insurance
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