Is Insurance for High Value Homes Worth It?

High value home insurance are comprehensive packages for buildings with a higher than average value. These can be heritage homes or homes with special design elements. Keep in mind that it isn’t necessarily only for houses but also for high value condominiums. Here is why you should be considering high value coverage.

High Value Home Elements

When you need to choose whether coverage is right for you, think about some of your home’s elements. You may qualify if your home:

  • Is worth more than $750,000
  • Contains unique design elements
  • Was designed by an architect
  • Contains high value items


Speaking with an insurance professional can also help you decide if this type of insurance fits your situation. It’s better to have the protection in place.

High Value Coverages

The cost of high value insurance is more expensive than normal coverage but it also covers a lot more than a standard home policy. For instance, here is what it offers:

  • Higher special limits
  • Personalized coverage to protect your lifestyle
  • Extensive coverage
  • Flexibility

Standard property coverage covers the average home. With higher value homes, you need higher value coverage.

When it comes to high value home insurance, it’s important that you have coverage that protects you and your lifestyle. For homes above a certain value, this is crucial.