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High Value Home Insurance

High Value Home Insurance

Protect Your High-Value Home With Unique Coverage

High-value homes in King County aren’t the same as other properties. That’s why they need special protection with high-value home insurance.

A high-value homeowner policy protects properties that are expensive to repair or replace after a claim because of their greater worth, expensive finishes, or luxury appointments.

Do You Need High-Value Home Insurance?

High-value home insurance is for properties valued above $750,000, although some policies only work with properties worth above a million dollars.

Why do some King County residents prefer high-value home insurance? They like it because, after a claim, it pays to fix their home to its original state, covering things like marble bathrooms, imported mahogany paneling, and chef’s kitchen appliances.

Even if a regular homeowner policy will insure you up to $750,000, it could cost much more than that to rebuild your home after a fire, water damage, or natural disaster. A high-value home insurance policy won’t limit you to lesser materials to stay within the $750,000 cap. In fact, many policies give you the option of guaranteed replacement cost that covers the costs no matter how expensive they get.

We recommend high-value home insurance for our clients with expensive homes, historic properties, and houses with extensive landscaping, imported finishes, and luxury features. You will appreciate the little extras with these policies, like:

  • Better coverage of valuable possessions, such as fine art and antiques
  • Open perils coverage for broader protection with few exclusions
  • Additional living expenses if you need to reside elsewhere after a claim while your home is repaired

Our Independent Agents Can Help You With High-Value Home Protection

If you’re new to high-value home insurance, give the agents at Spangler Insurance a call at 206-329-7447 with your questions. We provide noteworthy personalized service and have a large menu of home insurance products. Feel free to reach out via our contact form too or start a policy online at your convenience.