Atherton High End Home Insurance

Atherton High end Home Insurace

Atherton High End Home Insurance

By: Jonathan Lee


Atherton is a beautiful location in Northern California. The town is 45 minutes south of San Francisco, and less than 20 minutes to the headquarters of Facebook, Google and most of the major tech companies in Silicon Valley. However, standard homeowners insurance does not meet the needs of most residents of Atherton.


High end homes are full of intricate features, unique construction, and special collections. Although there are many outstanding insurance carriers that offer coverage in Atherton, not all have policies that can provide a comprehensive solution. Luckily, Stone Creek Insurance Agency contracts with several private client insurance carriers with policies designed for your high end home.


Guaranteed Rebuilding Cost Option For The Structure – Most carriers cap their extended replacement coverage at 25% or 50%. Many private client carriers give you the option for Guaranteed Rebuild Converge as long as your home is insured to value. These carriers conduct an inspection after the policy is issued to make sure that the selected limit of insurance is adequate to protect your high end home.

Schedule Collections – Not all schedules are created equal! Some carriers offer very low limits for blanket coverage, and require appraisals on everything. The private client markets of Stone Creek offer high per item and blanket limits meaning you have more flexibility and less hassle. Items like jewelry, fine art, flatware, and even wine can be schedule onto your policy.

Excess Liability Up to $100,000,000 – Private Clients need high excess liability limits, and we can meet this need with limits up to $100 million. This extends worldwide, and provides you the freedom to choose legal counsel from a roster of law firms in the event of a covered claim.

Natural Catastrophe Protection – Some Atherton high end home insurance carriers  have their own wildfire protection units, meaning that if they service your area your home will receive fire protection above and beyond local and state fire departments in a wildfire.



The agents at Stone Creek Insurance Agency are trained and understand the process of insuring high end homes in Atherton. They will uncover over-looked home issues by asking the right questions and working with the best Underwriters.


When searching for high end home insurance in Atherton, finding an insurance carrier to provide the proper coverage can be quite challenging.  Luckily Stone Creek can help!

Have a question? Would you like a quote? Feel free to call Jonathan Lee at 925-297-4218. Also, the banner on the right is a great place to get started if you prefer to initiate your request online.

All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

Think we’re a good fit? We’d love to work with you!

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