Why High-Value Homes Need the Right Coverage

By Tim Minkler

For homeowners with properties valued at $1 million or more, a standard homeowners policy simply isn’t enough. High-value homes require a different level of coverage—one that accounts for the unique risks, high-end materials, and exceptional features that make these properties stand out.

What Sets High-Value Home Insurance Apart?

While standard policies cover the basics, high-value home insurance provides broader protection and exceptional claims service from top-rated insurance carriers. The difference isn’t just in the price—it’s in the details.

With a high-value policy, homeowners can find:

• Guaranteed Replacement Cost Coverage – If a total loss occurs, the home is rebuilt, even if costs exceed the policy limit.
• Higher Coverage Limits – Personal belongings, fine art, jewelry, and collectibles receive better protection.
• Superior Claims Service – High-value policies come with concierge-style claims handling, making the process smoother and more efficient.

The Hidden Risk of Being Underinsured

One of the biggest mistakes high-value homeowners make is assuming they’re fully covered—until they file a claim and realize otherwise. Rising construction costs and inflation mean that many homes haven’t been properly re-evaluated in years, leaving owners with outdated coverage.

A proper high-value policy ensures that rebuilding costs, unique architectural details, and specialized finishes are accounted for. The best way to avoid being underinsured? Work with an experienced insurance broker who specializes in high-value properties. (That’s where I can help.)

Why MountainOne Insurance Agency?

At MountainOne, we’ve been helping homeowners protect high-value properties for decades. As a licensed provider who works with most all major high-value home insurance carriers, we offer:

• Local expertise – A team that understands the unique risks of high-value homes in our region.
• Personalized service – Calls and emails returned timely.
• Access to top carriers – Policies include A-rated insurance companies with the best coverage options.

If your home falls into the high-value category, don’t settle for a one-size-fits-all policy. Reach out today and ensure your coverage meets the needs of your home.