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Home > Best High-Value Home Insurance Companies | Ifft & Palmer

Best High-Value Home Insurance Companies


If you are planning to insure a high-value home, then you are naturally going to want to work with an insurance company that understands your coverage needs, offers high-quality products and will always provide you with world-class customer service. 

Ifft & Palmer Associates works with some of the best insurance names in the high-value home insurance industry, including: 

Chubb Prestige Home & Contents

Chubb’s Masterpiece home insurance product is designed specifically for high-value homes and high net-worth individuals. It expands upon standardized home insurance benefits by filling in gaps that would ordinarily leave the average high-value home inappropriately insured. Chubb’s commitment to exceptional customer service also ensures that you can always receive fast, efficient claims services and policy adjustments.

Some of the perks offered within your Masterpiece plan includes:

  • Replacement cost coverage: Your home and possessions will be insured at their true replacement cost value, as opposed to at their strict rebuild or actual cash value cost.It can be hard to estimate the exact rebuilding cost of your home following a total loss, and Chubb’s product will make sure you’re covered nevertheless.

  • Cash settlement option: If your home is totally destroyed, your Chubb policy will give you the option to receive a cash settlement. This will enable you to rebuild your home elsewhere if you choose to do so.

  • Chubb HomeScan Service: This one-of-a-kind product uses infrared camera technology to help you identify potential home problems before they get worse. Among its many features, it can help you detect electrical issues, water leaks, missing insulation and similar problems, so that you can get a head start on fixing small problems before they get worse.

 

Pure High-Value Homeowners Insurance

Pure’s success story is that it is 100% member-owned and was started by professionals with a lot of experience in the high-value property industry. Its strict goal is its policyholders’ personal and financial well-being, and its coverage options include:

  • Replacement cost coverage: Your home and possessions will be insured at their true replacement cost value, as opposed to at their strict rebuild or actual cash value cost. It can be hard to estimate the exact rebuilding cost of your home following a total loss, and Chubb’s product will make sure you’re covered nevertheless.

  • Cash settlement option: If your home is totally destroyed, your Chubb policy will give you the option to receive a cash settlement. This will enable you to rebuild your home elsewhere if you choose to do so.

  • Extended jewelry replacement coverage: If you want to insure your jewelry, but don’t want to go through the hassle of insuring every piece individually, Pure’s jewelry replacement coverage option is a solution. It will allow you to receive up to $50,000 for jewelry that is lost, stolen, misplaced or damaged, which is much higher than the coverage available on the average possessions insurance policy.

  • Drain backup coverage: Sewer overflows (and the damage they cause) are not automatically covered by many home insurance policies. Pure’s high-value home insurance options allow you to easily integrate this coverage into your policy.

Cincinnati Insurance

Not only does Cincinnati Insurance have one of the best service ratings in the industry, but its name has also become synonymous with insurance solutions for high-value homes and high net-worth homeowners. 

Cincinnati policies offer coverage for homes worth at least $1 million, and policy terms are designed specifically to provide maximized financial returns in the event of claims.

Plus, Cincinnati coverage offers numerous perks that the average homeowners policy won’t, including:

  • Cincinnati offers a flood insurance solution that guarantees coverage up to the dwelling coverage limit of your home. This amount is generally higher than the coverage provided by a National Flood Insurance Program (NFIP) policy.

  • Combined deductibles: In the event of a significant loss of property, you might find that you have to pay multiple deductibles as they apply to different losses. Cincinnati’s policy terms allow you to combine deductibles as long as the claims arise from the same cause.

  • Service lines coverage: You might find that your home insurance policy limits coverage for utility, sewer and electrical lines. However, if they sustain damage, you will want your policy to pay for them. Cincinnati’s coverage makes this allowance.


With the help of 
Ifft & Palmer Associates, you can get the high-value home insurance that is best for you. Call Us at (412) 471-0500 today to learn more!

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Two Gateway Center
603 Stanwix Street, Suite 1200

Ph: 412-471-0500 | E: info@ifftpalmer.com
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