The regular homeowner policies that are offered by well-known companies may not be enough protection for high value homes. These standard policies do not offer special materials for structure, interior, fixtures that are mostly used in luxury homes. For high value homes, not only is the replacement cost higher than regular homes, but its rebuilding costs too. Regular policies do not offer such solutions or protection fit for high value homes, but we find the most complete policy to protect our client’s home.
WHAT WE OFFER
All-risk Coverage
Guaranteed and/or 200% Replacement cost including 100% building ordinance
Replacement Cost for Contents
Damaged personal property can be replaced with new piece(s) or actual value.
Waiver of Deductible
Deductible can be waived if damages exceed $50,000
Excess Flood
Reimburses physical damage caused by the backup or overflow of sewers or swimming pools
Unlimited Loss of Use
There is no limit of time or living expenses during period of replace of loss
Total Loss Cash Settlement Options
In case of loss, you may have the option to receive cash for the replacement value
ADDITIONAL PRODUCTS
Flood Insurance
Which covers physical loss or damage to your residence, personal property and other structures caused directly by surface water or flood, including debris removal
Earthquake Insurance
Offered in California and other prone area States
Course of Construction or Builder’s Risk
Protection for structures during construction and renovation
