High-Value Home Insurance
Specialty insurance solutions tailored to your home's unique needs.
Get StartedProtect your high-value home with TRU Insurance solutions from XINSURANCE.
High-value homes with significant property and personal assets require superior property and liability coverage. We can customize your insurance to fit your needs.
What is High-Value Home Insurance?
High-value home insurance is a specialty insurance solution designed to cater to the distinctive nuances of luxurious properties like yours. It recognizes that a standard policy doesn’t suffice when it comes to protecting assets that stand far above the ordinary. As the owner of a high-value home, you’re aware that the intricate details and exclusive features of your residence not only contribute to its magnificence but also demand a greater degree of protection. With reverence for that exceptionality, high-value home insurance exists to assure that your investment is safeguarded with the utmost care and proficiency.
Choosing XINSURANCE means opting for a partner that understands the unique risks and values associated with high-end real estate. Unlike traditional coverage, which may overlook the full spectrum of your home’s worth and features, XINSURANCE is committed to providing you with the confidence that comes from knowing your sanctuary is under the vigilant eye of a truly dedicated insurance partner. Get a quote today!
Who We Can Help
XINSURANCE is tailored for owners of luxury estates, custom-built homes, and high-value properties in exclusive or high-risk areas. If your home stands out due to its market value, unique design, or contains special features and valuables, XINSURANCE can provide the specialized coverage you need. Ideal for those seeking protection beyond standard offerings, XINSURANCE is your go-to for comprehensive safeguarding of your premium property.
- High-value homes
- Homes in high-risk areas
- Homes with security
- Homes with high-value assets
- And more!
High-Value Home Insurance Solutions
Dwelling
Can provide protection for the physical structure of your home, including the walls, roof, floors, and built-in features like plumbing and electrical systems.
Other Structures
Can provide protection for structures on your property that are not directly attached to your primary dwelling, such as detached garages, sheds, fences, guesthouses, and more.
Specialty Home Features
Specific coverage for anything not included on a standard home, or a custom addition to the house. For example: a helipad, indoor sports court, swimming pool, or other custom-built features.
Personal Property
Safeguards your scheduled, personal belongings inside or outside your property in case they are damaged, destroyed, or stolen due to covered perils. This can include valuable items like jewelry, art, firearms, or collections.
Loss of Use
If your home becomes uninhabitable due to a covered event, this coverage helps with additional living expenses, such as temporary accommodation.
Natural Disasters
Including coverage for often excluded disasters such as floods, mudslides, earthquakes, wildfires, wind, and more.
Homes with Additional Security
Coverage for homes with security such as guard dogs, hired security services, armed security guards, and other security personnel or services.
Unusual Risk Scenarios
Insurance for natural disasters that may be considered an exclusion on other policies. For example, we have coverage solutions for roofs that are 10 years old and over.
Animal Liability
Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About High-Value Home Insurance
Does high-value home insurance cover natural disasters?
Some natural disasters, such as hurricanes and wildfires, are often excluded from homeowners insurance policies, especially in areas that are more prone to them. However, XINSURANCE offers high-value home insurance solutions that covers natural disasters including wind, floods, earthquakes, wildfires, and more. We can even help homes in high-risk areas and coastal areas.
Can high-value home insurance cover multiple properties?
Yes, many insurers offer the option to cover multiple properties under one policy.
How is high-value home insurance different from standard home insurance?
It provides enhanced coverage options, higher limits, and often includes additional services, like risk assessments and personalized customer service.
I see that XINSURANCE also offers TRU Homeowners Insurance - what's the difference?
Our TRU Homeowners Insurance solution is for any home, including high-value homes, whereas our high-value home insurance solution is exclusively for homes considered to have a high value, typically at least $1 million. They offer the same coverages and both can provide coverage solutions for natural disasters regardless of your location.
How do I know if I need high-value home insurance?
If your home’s value considerably exceeds the average in your area, or you have unique coverage needs due to luxury features or high-value possessions, you might need it.
Here are some other scenarios in which you might need high-value home insurance:
- 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.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Animal Liability
We provide animal liability insurance solutions that covers third-party bodily injury and third-party property damage. We can cover any dog breeds including those that are deemed dangerous. We can also help you if your dog has a bite history.
Private Clients
When thinking about specialty liability insurance coverage for your assets, are you confident in your insurance partner? A plan to protect your home, family, and assets is an essential part of life that requires expertise from a partner who understands high-net-worth clientele.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
