High-Value
Home
Premium homeowners insurance for luxury properties, estates, and architecturally significant homes. Smart home integration, guaranteed replacement cost, and white-glove claims concierge for discerning homeowners.
The AI / Modern Angle
Luxury homes are becoming intelligent ecosystems — AI-controlled HVAC, automated security, smart water detection, and integrated energy management are standard in high-value properties. These systems prevent losses but also create new exposures: a smart home vulnerability can unlock every door, a compromised thermostat can cause pipe bursts, and an AI security system failure can leave a $10M property unprotected. Our high-value home coverage integrates with smart home platforms to provide real-time loss prevention monitoring — detecting water leaks, temperature anomalies, and security breaches before they become claims. Homeowners with connected systems receive premium credits that typically pay for the technology itself.
Core Coverage Points
Guaranteed Replacement
Full replacement cost coverage with no depreciation — rebuild your home to exact specifications regardless of policy limits.
Fine Art & Collections
Scheduled coverage for fine art, wine collections, jewelry, and valuables with agreed-upon values and worldwide protection.
Smart Home Cyber
Coverage for losses resulting from smart home system hacks, IoT device compromises, and connected home technology failures.
Excess Liability
High-limit personal liability umbrella coverage for homeowner exposures, including domestic staff, pools, and guest injuries.
Water & Sewer Backup
Enhanced water damage coverage including hidden leak detection integration, sewer backup, and foundation water intrusion.
White-Glove Service
for Exceptional Homes
Our high-value home program isn't just about coverage limits — it's about service that matches the standard of your property. Dedicated claims concierge, pre-approved restoration vendors, and proactive loss prevention consultations come standard.
From waterfront estates to urban penthouses, we understand the unique exposures and lifestyle considerations of high-value homeownership.
"When our smart home water sensor detected a hidden pipe leak at 2 AM, Ocean Falls' monitoring team had a plumber at our door by sunrise — before any damage occurred. That's the kind of proactive service you can't put a price on."