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Private Risk / High-Value Home Insurance

Built to protect high-value and luxury homes

Luxury homes, estates, and custom residences require a more thoughtful approach to protection. Private client advisors design high-value home insurance around your property’s construction, value, and unique exposures.

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UNDERSTAND THE DIFFERENCE

Why high-value homes require specialized coverage

Luxury homes are defined by custom features, including imported stone, specialized millwork, and distinctive architectural details, all of which make rebuilding far more complex and costly than for a standard home. For many high-value homes, rebuilding costs differ substantially from market value. Specialized coverage reflects this gap, providing broader protection, higher limits, and access to advisors experienced in protecting estates, waterfront homes, and architecturally distinctive properties.

Key considerations when insuring high-value homes

  • Custom construction and materials significantly increase rebuilding costs
  • Unique architecture or historic features can complicate repairs
  • Larger estates often include guest houses or detached structures
  • Valuable collections and belongings require specialized protection
  • Waterfront or coastal locations often require additional considerations
If any of these apply, your home likely requires more than a standard homeowners policy.
CUSTOM HOME INSURANCE

Specialized coverage, in focus

The right custom home insurance program goes beyond the limits of a standard homeowners insurance policy, giving owners greater control over how their home is valued, rebuilt, and protected.

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Extended replacement cost coverage

Custom homes can be costly to rebuild. Extended replacement cost coverage helps ensure your home can be rebuilt even if construction costs exceed your policy limits.

Lifestyle liability protection

Larger properties and active households can create additional liability considerations. Higher liability limits and umbrella coverage help ensure those exposures are properly addressed.

Coordinated across residences

Many high-net-worth homeowners own multiple homes. Coordinated coverage helps ensure consistent coverage across primary residences, vacation homes, and other properties.

Safeguard valuable belongings

Luxury homes often include art collections, jewelry, antiques, wine, and other valuables. Specialized coverage provides broader protection and higher limits for these assets.

Additional structure coverage

High-value properties often include guest houses, pool houses, detached garages, or extensive landscaping. Specialized coverage helps ensure these structures are safeguarded.
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Risk advisory and loss prevention

Proactive risk advisory helps identify risks before they become claims scenarios, offering guidance designed to protect high-value homes and reduce the likelihood of loss.
PRIVATE CLIENT EXPERTISE

Every asset, thoughtfully protected

For most high-net-worth individuals and families, a home is one of several high-value assets that require specialized protection. Private client advisors coordinate coverage across everything that matters—from your vehicles and watercraft to collections and personal liability—streamlining solutions that maximize protection and minimize coverage gaps.

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Collections and valuables insurance

Specialized protection for art, jewelry, wine, and other valuable belongings.
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Personal umbrella insurance

When underlying liability limits are not enough, umbrella coverage addresses the totality of your exposures.
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Luxury and collector car insurance

Programs that reflect the value and usage of luxury, exotic, and collector vehicles.
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Marine and yacht insurance

Marine coverage helps safeguard your luxury boats and yachts as part of your broader coverage strategy.
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Frequently asked questions

From coverage details to claims support, we’ve got the answers you need to keep moving forward.

What qualifies as a high-value home?
High-value homes are typically properties with rebuilding values exceeding $1 million, though the threshold can vary depending on location, construction, and architectural features.
Luxury homes often include custom materials, specialized craftsmanship, or unique design elements that increase rebuilding costs beyond what standard homeowners insurance policies are designed to cover. High-value home insurance is designed specifically for these types of properties.
What’s the difference between high-value home insurance and standard homeowners insurance?
Standard homeowners insurance is designed for more common residential properties. High-value homes often require broader protection because of their construction, location, and the belongings they contain.
High-value home insurance is designed specifically for luxury homes, estates, and custom residences where rebuilding costs and coverage needs may exceed the limits of traditional homeowners policies.
Some of the key differences often include:
  • Higher dwelling coverage limits to reflect the true rebuilding cost of the home
  • Broader protection for custom construction, unique materials, and architectural features
  • Specialized protection for valuable belongings such as art, jewelry, wine, and collectibles
  • Coordinated coverage across multiple homes or properties
For many homeowners, the difference isn’t just the policy itself — it’s working with advisors who understand how to design coverage around complex homes.
Should valuable collections be insured separately?
Many high-value homes contain collections such as fine art, jewelry, wine, or antiques that may exceed the limits of a standard homeowners policy.
Specialized coverage can help ensure these belongings are properly valued and protected. Connect with one of our experts for help evaluating your collections and coordinating collections and valuables insurance designed specifically for those assets.
My home is held in a trust or LLC. Does that affect my coverage?
Yes, and it’s one of the most common coverage gaps we see. When a home is held in a trust or owned by an LLC, the legal owner and the named insured on a standard personal policy may not match. That mismatch can cause a claim not to be paid. High-value home programs can be structured to accommodate these arrangements. Partnering closely with your legal and financial team, our advisors help address these realities, often in coordination with our family office and trustee services team.
How often should I revisit my coverage?
Revisit your coverage at least once a year or any time your life changes meaningfully. Renovations, new acquisitions, changes in how property is held, new household staff, or a second home purchase can each create gaps. Through proactive communication, we monitor changes in your life and shifts in the insurance market to keep your program current. In many cases, that also means evaluating broader protection such as personal umbrella coverage.
LATEST INSIGHTS

Guidance for high-value homeowners

Stay informed on high-value home protection trends with insights from our private client advisors, covering everything from coverage considerations to managing the complexities of luxury living.

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Ready to safeguard what you’ve built?

Start a conversation with a high-value home insurance expert today. Together, we’ll evaluate your property, assess your current coverage, and tailor a protection strategy that reflects your home and how you live in it.

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