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High-value homes with significant property and personal assets require superior property and liability coverage.  These policies typically have larger limits, tailored coverage, negotiated deductibles, expanded coverage, and a bundle of endorsements. With the help of XINSURANCE, you can have a high-value home insurance policy tailored to your needs.

This type of insurance requires a dedicated and high level of care and there’s no better insurance partner for the job than XINSURANCE. We have decades of experience in handling high-value home insurance policies with homes throughout all 50 states.

To get started, you can request a quote by filling out the form at the top of the page or if you would like to learn more, please continue reading!

high value home insurance
high value home insurance


Scenarios In Which You Might Need High-Value Home Insurance

There are a lot of possibilities as to why you might need high-value home insurance. Here are some examples and scenarios:

  • high-value homes whether the property is a primary home or secondary home
  • if you have a property with high risk and natural perils such as earthquakes, wildfires, and more.
  • if you have luxury items such as jewelry, art, wine collections, coin collections, show dogs, exotic animals, and/or firearms
  • if you have luxury or high-end vehicles
  • if you have other high-value assets
  • if you have a home with security personnel, security services, guard dogs, etc.

Whatever the situation is, if you’re struggling to find homeowners insurance, let us see if we can help you!

The XINSURANCE TRU Umbrella Difference

XINSURANCE offers options to protect you and your assets at home, work, or when engaging in hobbies, volunteering, coaching, and so much more.  XINSURANCE provides solutions, a partnership approach, and a defense if you are sued.

We can fill the gaps in your liability insurance coverage and provide insurance solutions for the protection you deserve to safeguard you, your family, and your assets.


XINSURANCE is an insurance partner providing specialty liability insurance solutions, powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We can offer custom solutions despite a claims history or when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE is your partner. You’ll know that when the unexpected occurs, that we are a true partner providing insurance solutions and defending you when a claim is made. We offer customized solutions so not only can we fill the gaps of your primary coverage but we can also provide TRU Umbrella coverage solutions.

Why Should You Choose Us for High-Value Home Insurance?

A lot of insurance policies impose very low limits or exclusions. They may not even cover liability insurance at all. For true peace of mind, you need specialty liability insurance.

We assess your situation to find you the best, comprehensive coverage for your requirements. As specialist brokers, we can even offer solutions to those who have been denied insurance before or those who have a claims history.

XINSURANCE has risk management expertise to cover the standard of care and protection for your property.  Simple measures of recommending storm shutters or clearing brush away from the property can make a significant impact on the risk!

XINSURANCE is a leader, a partner, and the best way to protect your assets. When something goes wrong, there’s usually plenty of blame to go around. We are your partner to defend your assets and provide a defense if an accident, incident, or claim occurs.

How To Get A High-Value Home Insurance Quote

Get your free high-value home insurance quote today by filling out the form at the top of the page to get started! We would also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable – it’s also free and no obligation. Get started today!

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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