If you are a high-net-worth individual, your Seattle homeowners insurance needs to reflect your special needs, such as:

• Custom-built properties
• Second or vacation homes
• Luxury interior finishes
• Large private estates
• Exterior amenities like pools

Regular homeowner insurance isn’t sufficient to cover your property in the event of a fire, storm, vandalism, or theft.

Instead, you need a customized homeowners policy that reflects the true value of your property and its exceptional quality. High-net-worth policies typically start at coverage of around $750,000 and go up to the millions.

You can opt for full replacement coverage, which lets you replace imported architectural elements or repair amenities like fountains, swimming pools, and tennis courts. Extra buildings on the property will also be covered, such as stables, a guest house, or a detached garage housing your auto collection.

Of course, your personal belongings inside the home are covered too, including:

• Fine decor
• High-end appliances
• Designer clothing
• Electronics

Are you a condo dweller? Ask us about a special policy for condo owners. This protection covers the inside of your property not owned by the condo association. And it includes any luxury or exotic finishes you’ve added, like parquet flooring, custom cabinetry, or marble bathroom fixtures.

Scheduled Coverage for Valuables and Collectibles

Certain valuable items require extra separate insurance policies to ensure they’re fully protected. Be sure to let your agent know about any of these items so we can create scheduled coverage for them:

• Jewelry
• Fine art
• Antiques
• Musical instruments
• Furs
• Firearms
• Precious metals
• Wine
• Coins
• Books
• Memorabilia

Add Flood and Earthquake Insurance for Better Protection

Washington is particularly susceptible to floods and earthquakes. While these incidents aren’t covered by a regular homeowners policy, it’s easy to add coverage to all your properties in case the worst happens. You can enjoy your beach house or mountain retreat knowing they’re protected no matter what.

Personal Umbrella Coverage Protects High-Net-Worth Individuals

Your homeowners policy includes a certain amount of liability insurance in case of an accident on your property. We recommend supplementing that with umbrella insurance, which would provide higher coverage once you reach the cap on a homeowners liability claim.

This makes you less vulnerable should a lawsuit or settlement assign costly damages to you. And it’s an absolutely essential component of your risk management strategy if you are a dog or horse owner, a public figure, or someone who entertains frequently.

Independent Agents Treat You Like a Private Client

High-net-worth individuals need personalized service that you just can’t get from big insurance companies that offer only a few homeowner products. At Spangler Insurance, you get a customized policy tailored to your unique requirements, whether you own a jewel box condo in Bellevue or a lakeside estate on Mercer Island.

You can start a policy anytime online. Or call us at 206-329-7447 to speak to one of our agents about your one-of-a-kind needs.

Get a Free Homeowner Insurance Quote