Homeowner’s Insurance

For Homes with More to Insure

Your home is unique. Whether it’s a city escape curated with antique furniture or your family’s fortress, a typical insurance policy may not address the full picture of what makes your home extraordinary.   

If you are looking for more from a homeowner’s insurance policy, we are here to chat. Our seasoned team has experience working with premium insurers who concentrate on the private client market.

Examples of Homes We Insure

High Value Homes
Brownstones
Historic Homes
Coastal Homes
Seasonal & Second Homes
Condominiums

Other Coverages

Available Coverages

The following are some of the available coverages offered by many of our carriers’ comprehensive policies:

Replace, Rebuild or Receive a Cash Settlement

If a fire or other event destroyed your home, you may wish to rebuild it, or you may not. Most of our carriers can provide you the option to rebuild or receive a cash settlement.

Guaranteed Replacement Cost

Estimating the cost to rebuild your home isn’t an exact science. If your policy includes Guaranteed Replacement Cost, your home will be rebuilt in like kind and quality in the event of a covered loss, even when the actual cost to do so exceeds your coverage limits.

Do I Need Homeowner's Insurance if my Home is Paid Off?

Even if you have paid off your home and are no longer required by a mortgage holder to have homeowner’s insurance, you should still seriously consider insuring your home. Some questions that you should ask yourself to assess the risk of not maintaining homeowners insurance include: Do you have the financial resources to rebuild your home after suffering a major total loss? Are you willing to risk your own personal assets in the event that someone is injured on your property and files a lawsuit against you, without the benefit of any liability protection that might be afforded by a homeowner’s policy? If you answered “no” to either question, then you should absolutely have a homeowner’s policy in place to help protect your home and your assets you’ve worked very hard for.

What Should I Look for in a Homeowners Policy?

Some houses need more coverage than others. Your homeowner’s insurance policy may be more complex due to the home’s unique characteristics. The terms, conditions, and exclusions within your policy dictate whether and to what extent a loss will be covered.

For example, the following terms will all offer different payouts: replacement cost, guaranteed replacement cost, extended replacement cost, or actual cash value (ACV). Our experienced agents are able to explain your options to you so that you can select the type of policy that you decide is right for you.

We're here to help. Reach out to our team today.