High End Home Insurance – COMPLETE Guide

By Taaza Facts

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An opulent residence featuring state-of-the-art architecture and surrounded by a pristine garden, representing the type of high value homes covered by high end home insurance. Accompanying text highlights the benefits of comprehensive, customized insurance plans for luxury properties.


High end insurance can utilize multiple policies that dovetail together to provide seamless coverage. But with adaptable provisions and the ability to set your own deductibles, high end insurance packages become built-to-order solutions that address your unique needs and coverage priorities.

Customize Your Coverage to Fit Your Lifestyle

  • Unparalleled coverage for luxury homes
  • Insure second homes and vacation homes
  • Coverage for yachts, watercraft, aircraft, and other vehicles
  • Customizable coverage for fine art and collectibles
  • Protect valuables, jewelry, and watches
  • Insure against damage from hurricanes, floods, earthquakes, and wildfires
  • Overseas travel insurance
  • Kidnap, ransom, and extortion insurance
  • Cyber liability insurance
  • Identity theft coverage
  • Protect your family with personal liability limits up to $50 million or more
  • Liability coverage for fiduciary liability or not-for-profit director liability
  • Coverage for domestic workers and employment practices liability

High End Home Insurance

Protect your fine home, luxury condo or co-op, and all your belongings. Insure every last detail, including improvements, additions, hardscaping, and other personalization. Your protection for personal property travels with you, at home, or when away.

Protect Luxury Autos and Collections

Pair your home policy with a policy to protect luxury autos and collections. Options include agreed value coverage, in which you and the insurer agree to an insured value, and generous liability coverage limits suitable for high net worth households.

Insurance for Boats, Yachts, and Watercraft

Protect your boat, yacht, jet ski, or catamaran with a policy customized to your needs. Coverage can include wreckage removal and fuel spills, in addition to other liability risks. As with other parts of your coverage, you can set your own liability limits to match your needs and safeguard the success you’ve built.

Customized Liability Insurance to Protect Your Family

As a cornerstone to your coverage, your personal liability insurance provides a flexible way to insure against life’s uncertainties.

  • Excess liability policies offer affordable protection by expanding the liability coverage limits of your other policies, such as home and auto.
  • Umbrella policies expand coverage limits while also adding additional coverage types.

If a loss reaches the coverage limits of the base policy, the excess or umbrella policy provides additional coverage up to the limits you’ve chosen. This structure helps keep premium costs lower by making the expanded limits secondary coverage while providing seamless liability coverage of up to $50 million or more.

Risk Management and Expert Consulting

Among the many white-glove services offered by high end insurers, risk management focuses on ways to prevent a loss. High value insurers work with high net worth households across the nation and across the globe. This world of experience provides unique insight into which risks policyholders may face, how losses can occur, and possible ways to prevent a loss or reduce loss severity.

The process begins with your experienced insurance advisor, who can help you identify potential risks and build a comprehensive strategy to protect your home and family. In some cases, risk management specialists from the insurers themselves may work with you to help you understand where you may have risks and which steps you can take to address those risks.

A select group of insurers caters to the high end market, offering personalized service in countless ways to customize your coverage.

  • PURE Insurance: With PURE, policyholders are members, a unique structure that provides reserves for claims while returning the excess to members whenever possible. PURE only insures high net worth households, placing the insurer’s entire focus on valued members like you.
  • Cincinnati Insurance: The Cincinnati Executive Capstone program insures homes starting with a rebuild value of $1 million and provides popular options such as flood coverage, excess flood insurance, and deductible waivers for larger losses.
  • Chubb: With Chubb Masterpiece, you’ll find flexible coverage that lets you choose between a full rebuild or a cash settlement, giving you the freedom to rebuild when and where you want.
  • AIG Private Client: Learn why nearly 40% of the wealthiest US households choose AIG Private Client. Protect one fine home, or several, as well as collections, exotic vehicles, and luxury watercraft. AIG’s Smart Build service can even help you design a home with reduced risk.
  • Openly: Filling the gap for affordable premium home insurance, Openly focuses on making home insurance simple yet flexible. Policies offer up to $5 million in guaranteed replacement cost coverage, even if the rebuild cost exceeds your policy’s coverage limits. Adjust your policy as desired to focus coverage where you need the most protection.

Successful households have specialized insurance needs. The team at Coastal Insurance works with high net worth households nationwide to provide coverage solutions at the best prices possible. Reach out to our experienced advisors to learn how a well-designed, high end insurance package can protect your home and assets while also saving you money.

Our team of state-licensed insurance advisors will help you compare rates from the finest insurance high end insurance companies, including Chubb, PURE, AIG Private Client, Cincinnati, and Openly.

Protecting your legacy is our top priority.


Taaza Facts

I am a multifaceted content creator with expertise in blogging, Finance, and Cryptocurrency reviews. My creative journey involves weaving captivating stories in blogs, designing aesthetically pleasing and functional websites, and dissecting the nuances of cinema. We are dedicated to sharing our passion and insights with a global audience.

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