{"id":2711,"date":"2011-12-09T18:14:32","date_gmt":"2011-12-10T00:14:32","guid":{"rendered":"https:\/\/www.iscf.biz\/florida-insurance\/?page_id=2711"},"modified":"2014-04-14T11:03:45","modified_gmt":"2014-04-14T17:03:45","slug":"high-value-homes","status":"publish","type":"page","link":"https:\/\/www.iscf.biz\/florida-insurance\/insurance\/personal-insurance\/high-value-homes\/","title":{"rendered":"High Value Homes Insurance"},"content":{"rendered":"\n
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<\/span>Insurance Services of Central Florida<\/div>\n

High Value Homes Insurance from Insurance Services of Central Florida throughout Florida<\/h2>\n
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Standard homeowners insurance may not provide the coverage a high-value home requires. High-value home insurance is designed for properties with above-average replacement costs \u2014 protecting the structure AND valuable belongings including art, jewelry, and antiques \u2014 with higher limits and broader coverage.<\/p>\n

Luxury homes feature custom architecture, high-end finishes, and expansive landscapes. Standard policies don’t account for these nuances. Insurance Services of Central Florida will connect you with specialized coverage built for exceptional properties.<\/p>\n<\/p><\/div>\n

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Coverage Limits<\/div>\n
Above Standard<\/div>\n<\/p><\/div>\n
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Valuables<\/div>\n
Art \u00b7 Jewelry \u00b7 Antiques<\/div>\n<\/p><\/div>\n
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Risk Services<\/div>\n
Personalized<\/div>\n<\/p><\/div>\n
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Claims<\/div>\n
Concierge Assisted<\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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Your home is extraordinary. Your insurance should be too.<\/div>\n

Click or call for a High Value Homes quote from Insurance Services of Central Florida in Sanford, Florida.<\/p>\n<\/p><\/div>\n

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Understanding High Value Home Insurance<\/div>\n

Higher-value and custom homes often exceed the limits and coverage a standard homeowners policy is designed for. High value home insurance offers higher limits, broader protection, and specialized features for distinctive properties.<\/p>\n

Extended and Guaranteed Replacement Cost<\/h3>\n

Specialized policies can pay to rebuild your home even if the cost exceeds your dwelling limit — guaranteed replacement cost pays the full amount, while extended replacement cost pays up to a set percentage above the limit. This matters for custom finishes that cost more to rebuild.<\/p>\n

Higher Liability Limits<\/h3>\n

High value home policies offer higher personal liability limits and pair well with umbrella coverage to protect significant assets.<\/p>\n

Scheduled Valuables<\/h3>\n

Jewelry, fine art, antiques, wine, and collections can be scheduled for full, agreed-value coverage that goes beyond the sub-limits in a standard policy.<\/p>\n

High Value Home Insurance FAQ<\/div>\n

What is high value home insurance?<\/h3>\n

It is homeowners coverage designed for homes whose rebuild cost or contents exceed what a standard policy handles well. It provides higher limits and broader, more flexible protection.<\/p>\n

When do I need a high value home policy?<\/h3>\n

Consider one if your home has a high replacement cost, custom or luxury features, or you own valuable collections that exceed standard policy sub-limits.<\/p>\n

What is guaranteed replacement cost?<\/h3>\n

Guaranteed replacement cost pays to fully rebuild your home after a covered loss even if the cost exceeds your dwelling limit. Extended replacement cost pays up to a stated percentage above the limit.<\/p>\n

How are jewelry, art, and collections covered?<\/h3>\n

These are typically scheduled as itemized valuables for agreed-value coverage, which provides stronger protection than the limited sub-limits in a standard homeowners policy.<\/p>\n

Does a high value home policy cover flood?<\/h3>\n

No. Like standard homeowners policies, flood is excluded and requires a separate flood insurance policy, which we can also arrange.<\/p>\n

Why work with an independent agent for a high value home?<\/h3>\n

As an independent agency, Insurance Services of Central Florida has access to specialty carriers that focus on high value homes, so we can match your property with the right coverage and provide local service.<\/p>\n<\/p><\/div>\n

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Coverages Available<\/div>\n
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High Value Home Insurance \u2014 Coverages Can Include:<\/h3>\n
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    \n Extended rebuilding costs\n <\/li>\n
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    \n Art & collectibles coverage\n <\/li>\n
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    \n Jewelry & fine items\n <\/li>\n
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    \n Custom architecture protection\n <\/li>\n
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    \n Landscape & exterior features\n <\/li>\n
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    \n Security enhancement guidance\n <\/li>\n
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    \n Emergency assistance\n <\/li>\n
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    \n Concierge claims service\n <\/li>\n<\/ul><\/div>\n

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    Yes, your house is spectacular \u2014 and it deserves insurance that measures up. Click or call the professionals at Insurance Services of Central Florida in Sanford, Florida for a quote.<\/p>\n<\/p><\/div>\n<\/section>\n