Specialized homeowners coverage for high-value properties, second homes, and rentals — with limits and protections a standard policy doesn't offer.
Rebuild your home in full, without the caps a standard policy applies to its payout.
Coverage up to your full dwelling value — not the small add-on limit most standard policies offer, if they offer it at all.
Protection standard homeowners policies often leave out entirely, available here as part of a broader program.
Restoration expenses for identity fraud, ATM robbery, and embezzlement, forgery, or financial fraud.
Deductible options up to $100,000, so you can shape your premium around your own risk tolerance.
Coverage designed for coastal, wildfire, and high-value properties that standard carriers often turn away.
Coverage A limits up to $10 million in total insured value, with guaranteed replacement cost so a rebuild isn't capped at a percentage of your policy limit.
Coverage for guest houses, garages, and detached structures, plus the contents inside your home, at limits that scale with your dwelling coverage.
Personal liability coverage built into the homeowners policy itself, plus loss of use coverage if your home becomes uninhabitable — and room to layer an umbrella policy on top for higher limits.
Optional coverages like extended replacement cost, water backup, increased ordinance or law, loss assessment, limited fungi/wet or dry rot, sinkhole, and earthquake coverage.
Access to home valuation and loss-prevention consultations, wildfire and hurricane preparedness resources, and background checks for household staff, financial advisors, and tenants.
Tell us about your property, and we'll help you find coverage built for homes that don't fit the standard market.