Your home
Insurance shaped around your home.
Explore coverage for homes with estimated reconstruction costs of $750,000 and up, with individual attention to the property and the household behind it.
What should a high-value home review include?
A larger dwelling limit is only one part of the conversation. Start with the home itself: its size, quality of finishes, roof, outbuildings, recent renovations, and the work needed to recreate it after a major loss. Then look at how the proposed policy handles a covered loss and where separate coverage may be needed.
Our starting focus is an estimated reconstruction cost of $750,000 or more. That is the audience we serve, not a promise that a particular insurer will accept a home at that amount. The right approach depends on the property and the terms available.
A practical comparison checklist
- Dwelling limit and the method used to estimate reconstruction.
- Replacement-cost provisions, any extended or guaranteed replacement feature, and their conditions.
- Roof settlement terms, including depreciation or payment schedules.
- Deductibles for ordinary losses and any separate wind, hail, hurricane, or other event deductible.
- Coverage for additional living expenses after a covered loss, including dollar and time limits.
- Ordinance or law provisions when repairs trigger current building requirements.
- Other structures, valuables, water backup, flood, and liability needs.
Start with reconstruction cost, not the real estate listing
Location and land can substantially influence a home’s sale price. Rebuilding instead concerns the structure, materials, labor, and related reconstruction work. A custom home may require a more detailed estimate than a broad price-per-square-foot assumption.
Read our reconstruction cost and market value guide for questions to bring to a policy review.
Tell us about the full situation
If a renewal has become difficult, explain what changed. An older roof, a water claim, a renovation, a change in occupancy, or regional insurance availability can each call for different follow-up. Keep inspection reports and documentation of completed work available.
We specialize in affluent homeowners, high-risk properties, and complex circumstances. We can discuss the home alone or look at the household’s broader needs. Options and terms remain subject to underwriting.
Useful information for the first conversation
- Property address and how the home is used.
- Current declarations page and renewal or closing date.
- Approximate rebuilding estimate, if known.
- Roof and major system updates, inspections, and repair records.
- Claims history, any open claim, and any cancellation or non-renewal notice.
- Other homes, valuables, or liability needs you want reviewed.
Common questions
Is a higher dwelling limit enough on its own?
A larger limit does not answer every coverage question. Review the causes of loss, settlement terms, deductibles, and endorsements alongside that number. Ask how the proposed terms address the specific features of your home.
How should I prepare for a reconstruction-cost review?
Bring plans, square footage, renovation details, and photographs of custom finishes if available. Identify features that would require specialist trades or hard-to-source materials. Ask how the estimate accounts for those details and when it should be revisited.
What should I ask about my roof?
Ask how a covered roof loss would be settled under the proposed policy. Confirm any depreciation, payment schedule, deductible, cosmetic-damage limitation, or exclusion. The answer may differ from how the rest of the dwelling is covered.
How do I compare deductibles?
List each deductible and the events that trigger it. For a percentage deductible, ask which insured amount the percentage applies to and have the dollar amount calculated. Compare the resulting out-of-pocket exposure, not just the premium.
Should I tell you about renovations before work starts?
Yes, discuss the scope, cost, timetable, and whether you will remain in the home. Construction and vacancy can change the information needed to evaluate coverage. Ask what arrangements are needed before relying on an existing policy during the work.
Can my other residences be reviewed at the same time?
Yes, tell us about every property you would like considered. Include the ownership, occupancy, and any rental use of each residence. The review may lead to separate policies with different terms.
Look more closely at the terms that affect your home
A high dwelling limit does not answer every question. Explore roof settlement and hail deductibles, water damage and leak protection, and coverage during renovations before comparing options.
Begin with the home you know
Our home-type explorer brings familiar features and useful questions together. Then explore what to compare beyond the premium and, when relevant, how to evaluate surplus lines options.