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We work with a variety of specialty carriers built specifically for homes like yours — and we handle the shopping, the paperwork, and the claims conversations so you don't have to.
It's not only about price. A home can need specialized coverage because it would cost more to rebuild than a standard policy accounts for, because of custom or architecturally significant construction, because of a growing collection of art, jewelry, wine, or antiques, or simply because there's more at stake if something goes wrong. Generally, we start this conversation for primary homes valued at $700,000 or more — though the right fit depends on the whole picture, not just the number.
A home is considered "high-value" where a standard policy runs out of room. Most homeowners policies are written around averages — a set percentage of your dwelling limit for other structures, a capped amount for loss of use, named-perils coverage on your belongings instead of full replacement cost. Those caps can work fine for an average home. They tend to show their limits fastest in a high-value one — a finished guest house that's underinsured, a wine collection that's barely covered, a liability limit that wouldn't come close to covering a serious claim.
Coverage and eligibility are determined by the carrier. All coverage subject to underwriting.
Specialty high-value coverage isn't only for mansions.
It's worth a conversation if any of this sounds like you:
Significant value, custom features, or extensive updates and renovations.
Seasonal, vacation, and lakefront property that needs coverage built around how it's actually used.
Fine art, jewelry, wine, antiques, and other valuables worth insuring on their own terms.
Often added to the same program alongside your home.
Including coverage for victims of serious crime — home invasion, stalking, and more.
We place high-value home coverage with carriers whose programs are built specifically around homes, collections, and liability exposure like yours. Compared to a standard homeowners policy, that kind of program can include:
Coverage descriptions on this page are general and subject to underwriting and the terms of the policy you purchase. Insurance is not bound or altered until you receive confirmation from an authorized representative. Contact a local Top O' Michigan agent for a quote. ¹Some coverages carry a stated cap in certain states, and availability and terms vary by carrier, state, and underwriting. Ask your agent for the specifics that apply to your policy.
There's no single cutoff, but we usually start this conversation for primary homes valued around $700,000 or more, especially when there's an additional line involved — like a valuables policy, auto, umbrella, flood, or a second home. Custom construction, extensive renovations, and growing collections can also put a home in this category regardless of the exact dwelling value.
Standard policies (often called HO-3 or HO-5 forms) cap several things that matter most in a high-value home — rebuilding costs, loss of use, special belongings like jewelry and silverware, and liability limits. Specialty high-value home programs are built to remove many of those caps, so your policy can actually keep pace with your home and your life.
It can. Jewelry, fine art, wine, antiques, and other collections can be covered through a dedicated valuable articles policy, which is often broader than what's built into a standard homeowners policy — including options for blanket coverage as a collection grows.
Yes. High-value home coverage is often written alongside personal auto, recreational marine, and personal excess (umbrella) coverage, which can simplify your policies and may improve pricing.
It depends on your home, your location, your collections, and the limits you choose. The best way to get a real number is a conversation with one of our local agents, who can review your whole picture and get you an accurate quote.
The more we know up front, the faster we can shop your coverage with the right carriers. Fill out what you can — we'll follow up to fill in the rest.
Your home, your collections, and your liability exposure deserve more than an average policy. Talk to a local Top O' Michigan agent about high-value home coverage built around you.
