Home insurance needs are different for high-net-worth individuals. This is especially true around King County, where homes are valued well above the national median.

Do any of these special insurance scenarios apply to your property?

• Luxury or imported finishes
• Custom-built home
• Second or vacation home
• Private estate with land
• Pool or other amenities

If so, regular homeowner insurance won’t be sufficient to protect you in the event of storms, fire, theft, or vandalism. You need a different type of policy tailored to luxury homes and high-net-worth individuals. This kind of homeowner insurance offers:

• Much higher rates of protection
• Option for full replacement coverage
• Coverage for guest houses and pools

Homeowner insurance also covers your decor, high-end appliances, and electronics, as well as most personal property.

Ask About Special Homeowner Insurance for Condo Owners

We also provide insurance policies for condo dwellers. This coverage protects your property without worry for elements owned by the condo association.

It includes special finishes you’ve added, like hardwood flooring, custom kitchen cabinets, and luxury bath elements.

Protect Your Valuables and Collectibles with Scheduled Coverage

If you own valuables or collectible items, they should receive their own coverage, which is easy to add to your homeowners policy. This includes:

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

Consider Flood and Earthquake Insurance for More Protection

Depending on where you own property in King County, you could be vulnerable to floods and earthquakes. We recommend adding coverage for these incidents for your primary residence, beach house, or ski chalet. You’ll have peace of mind even if the worst happens.

Personal Umbrella Coverage for High-Net-Worth Individuals

You can significantly boost the liability coverage of your homeowners insurance with a personal umbrella policy. This picks up when you reach the cap on your regular insurance and can offer millions more in protection, including legal fees. We always suggest this for:

• High-net-worth individuals
• Public figures
• Dog and horse owners
• People who entertain often
• Swimming pool owners

Umbrella coverage is part of a smart risk management strategy. It can also be used to supplement your auto insurance should you need it.

Enjoy Private Client Services from Our Independent Agents

Big insurance companies can’t offer you the kind of custom solutions that we can give you at Spangler Insurance. Our agents can tailor your homeowners policy to your unique needs, whether you have a waterside property on Lake Washington or a mountain retreat further east.

Call us for private client insurance assistance at 206-329-7447. You can also start a policy anytime online.

Get a Free Homeowner Insurance Quote