High-Value Home Coverage

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Tailored protection for California's most prestigious homes.

Your home is more than an asset — it’s a reflection of your lifestyle. We provide white-glove insurance coverage for luxury estates, custom-built properties, and high-value residences that require more than standard homeowners insurance.

What We Cover

  • Primary, secondary, and vacation homes valued $1M+
  • Custom-built and architect-designed properties
  • Historic and hillside homes (wildfire/earthquake eligible)
  • Fine interior finishes, designer furnishings, and custom materials
  • Luxury home features (wine cellars, art walls, smart home tech)
  • Detached structures: guesthouses, pool houses, garages
  • Home systems: HVAC, generators, security systems
  • Loss of use / alternative living expenses
  • Worldwide personal property coverage
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Key Features

  • Guaranteed Replacement Cost
    We cover the full cost to rebuild your home — no matter how much construction prices increase.

  • Wildfire & Earthquake Options
    Specialized coverage for California’s biggest risks, even in high-fire zones.

  • Cash Settlement Option
    If you choose not to rebuild, you may be eligible for a cash payout instead.

  • Risk Prevention Services
    Access to fire defense systems, home security audits, and inspection services.

  • Flexible Contents Coverage
    Includes fine art, collectibles, rare furniture, and luxury lifestyle items.

Ideal For

    • Homes valued at $1M to $50M+

    • High-net-worth individuals with multiple residences

    • Estates in wildfire zones, beachfront locations, or gated communities

    • Those with high-end architecture, rare materials, or concierge-level security