High-value home insurance offers broader coverage, higher limits, and white-glove claims service compared to standard policies—ideal for homes $750k+.
What Is High-Value Homeowners Insurance?
High-value homeowners insurance is designed specifically for properties typically valued at $750,000 or more. These homes often include custom architecture, premium materials, and luxury contents that exceed the protective scope of standard policies. High-value coverage offers expanded protection, higher policy limits, and bespoke service tailored to affluent lifestyles.
Key Differences: High-Value vs. Standard Homeowners Insurance
| Feature | Standard Policy | High-Value Policy |
|---|---|---|
| Dwelling Coverage | Replacement Cost (with limits) | Guaranteed Replacement Cost |
| Personal Property | Named Perils, ACV | Open Perils, Replacement Cost |
| Valuables Coverage | Low sublimits (e.g., $1,500 for jewelry) | Higher sublimits or scheduled coverage |
| Loss of Use | Limited coverage | Extended coverage to maintain lifestyle |
| Claims Service | Standard | Concierge-level service |
| Additional Coverages | Limited | Includes identity theft, landscaping, etc. |
High-value policies often include perks like complimentary home appraisals, cash settlement options, and risk mitigation consultations.
Who Typically Needs High-Value Coverage in Metro Atlanta?
Homeowners in prestigious enclaves like Buckhead, Alpharetta, and Sugarloaf Country Club are ideal candidates for high-value policies. You may need this level of coverage if your home:
Has a rebuild value over $750,000
Includes custom design or imported materials
Contains high-value collections (art, jewelry, wine)
Offers luxury amenities like a home theater or resort pool
Employs domestic staff or has a guest house
Real-Life Gaps We've Seen in Metro Atlanta
We’ve encountered homeowners who assumed their standard policies were sufficient—until it was too late. One Alpharetta client had $150,000 in jewelry but only $1,500 in coverage. Another in Buckhead faced underinsurance after renovations doubled their home’s value, which their old policy didn’t reflect.
Renovations, luxury upgrades, and high-end acquisitions can quietly outpace standard policy limits, leaving homeowners at risk of devastating financial gaps.
How Much More Does High-Value Coverage Cost?
Premiums for high-value policies are often 15–30% higher than standard ones—but the returns in peace of mind and protection are immense. For example, insuring a $1 million home under a high-value policy might average around $4,600 annually, versus $1,200 for a basic plan. This increase covers more robust limits, premium service, and fewer policy gaps.
How to Tell If Your Current Policy Falls Short
Ask yourself:
Is my home worth $750,000 or more?
Do I have custom architecture or imported finishes?
Are my valuables insured beyond standard sublimits?
Would I need to maintain a luxury lifestyle during a claim?
Have I updated my policy since major upgrades?
If you said "yes" to any, your current policy may not match your needs.
Your Next Step: Get a Luxury Policy Review Without the Pressure
Is your current policy built for your lifestyle—or someone else’s?
Book a complimentary Luxury Coverage Review and find out. No pressure. Just clarity.
Frequently Asked Questions
What home value qualifies for high-value insurance? Typically $750,000 or higher. Custom features or valuable contents may also justify high-value coverage at lower home values.
Do I need a home inspection for high-value insurance? Yes, usually. Inspections ensure accurate rebuild cost modeling and proper coverage structure.
Does high-value insurance cost much more? Not significantly. Premiums often rise 15–30% but provide broader coverage, better limits, and faster claims service.
Can I insure valuables like art or jewelry separately? Yes. Valuables can be scheduled on separate riders or included in expanded sublimits depending on the policy structure.
Conclusion: Reframe How You Protect What You've Built
Your home is a symbol of your life’s work. It deserves a policy designed to match that caliber—not a generic one-size-fits-all plan. High-value home insurance redefines protection, so every detail of your home and lifestyle is covered with intention and excellence.