How to Safeguard High-value Home Content Using a High-value Home Insurance

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High Value Home Insurance quote

Do you own a high net-worth home? If yes, you would know how important the home insurance policy is for the protection of your property. But the question is “Is home insurance coverage sufficient for your high-value property?” Unfortunately, the answer is no! Investment in real estate is probably one of the exorbitant and biggest investments. That being said, homeowners who are lucky to have a high-value property should definitely consider investing in high-value home insurance product in order to keep their building from unpredictable accidents.

Do you know the insurance agent and insurance department often recommend high-value home insurance product to high-value property owners? Well, this is the only insurance product that can provide you coverage for the entire structure of your building as well as the exclusive and expensive content in it. The standard home insurance covers only the part of the property that is damaged whereas high-value home insurance covers the realistic replacement and repairing cost. To put it in simple terms, you can expect better coverage from the latter product than the typical home insurance by Let’s have a look at the major contents that you can safeguard using a high-value home insurance policy.

Contents Covered in High-value Home Insurance

The coverage policy in high-value home insurance mainly depends on the insurance provider you choose. But what affect these coverage terms the most is the total value of your property and the assets you own. For example, the homeowners possessing a home worth $750,000 may get more coverage options than an individual who owns $300,000 property. However, some of the common assets that are included in almost all types of high-value home insurance coverage are:

  • Antique articles

  • Precious Jewelry

  • Furniture and fixture

  • Green or elaborated roof

  • Vintage wine collection

  • Fine art

  • Priceless collectibles

  • Weapons

All the articles in your home the market value of which cannot be easily determined will be covered in the high-value home insurance product. The best part about this policy is apart from covering the valuable goods, you can claim a certain amount from your high-value home insurance provider in the event of any casual household damages. In fact, this policy covers the staff and employees such as driver, butler, cook, maids, and others who work in your insured building. Your insurance company usually sends home inspectors to assess the value of your property and document all the precious assets that must be included in the policy. The good news is you can always arrange a second appraisal by consulting with your insurance provider if you are not satisfied with the initial assessment.

What Insurance Providers Offer to High-value Property Owners?

Unlike standard home insurance products, high-value home insurance can be tailored to fulfill your requirements. Yes, you read it right! However, these policies are sometimes pre-determined for non-standard properties such as heritage homes, luxury articles, vintage products, and more. But the best part is you can always opt for a customized plan and get your property and assets thoroughly assessed. You can also ask for additional coverage options in which the insurance company facilitates a standard living condition for the homeowners until their damaged home is repaired and renovated.

It is worth to note that the quotes of insurance companies are mostly never the same. Hence, it is advisable to always conduct thorough research and choose wisely. In addition to the quotes, you must also check the coverage policy to confirm the inclusions and exclusions.

What contents are not covered in high-value home insurance?

There's no doubt that most of your valuable assets and the high-net-worth property will be covered in the high-value home insurance product. But there are also certain exclusions that you cannot claim in the event of its loss or damage. Here's the list of common exclusions that the homeowners should know about:

  • Any private property or assets that are inherited

  • Damage or loss of items caused due to faulty workmanship or improper utilization of the content

  • Loss of metered gas

  • Any loss or damage caused due to terrorism or war

  • Mechanical breakdown and electrical faults

  • Any damage or loss caused due to natural wear and tear of the content, gradual deterioration, rising damp, oxidation, and rust.

Depending on the insurance provider you choose, the term of the exclusion may vary. Hence, you should check the policy terms thoroughly before finalizing the deal.


This is how you can safeguard your property and content from unforeseen accidents. So, what are you waiting for? Check and compare the quotes and coverage terms of insurance companies and choose a reliable high-value home insurance coverage provider right away. Do not let some random accidents damage your valuable belongings. All the best!



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Samuel John

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