California Luxury Home Insurance

California Luxury Home Insurance

California Luxury Home Insurance

California Luxury Home Insurance is a very important subject to examine for those who have high end homes. Although carriers such as Geico and Progressive train us to think that all insurance is equal and that price is the only factor, this is simply not the case. Low price insurance is  important, but coverage matters just as much.

California Luxury Home Insurance – The Coverage

Basic policies that are offered by all carriers are tailored for the average home, and can leave important gaps in coverage for higher end homes. What homes are considered for California Luxury Home Insurance? Generally homes with a dwelling (insurable) value over $1,000,000 are considered to be a luxury home in California. Special luxury home insurance offered through ACE, Crestbrook, Chubb and Lexington include 200% extended replacement coverage, increased value for jewelry,  increased building ordinance coverage, increased sewer back-up coverage, increased loss of use, as well as cash out settlement options (to name a few).

California Luxury Home Insurance – The Service

Probably the most valuable addition provided when purchasing California Luxury Home Insurance is exclusive personalized service from your agent and from the carrier. Your agent will take the time to learn about your home, and make sure that the rebuild cost is evaluated thoroughly and in great detail. On the carrier side, you will have a complimentary home inspection to , again, ensure that the rebuild cost is accurate.

Are you a California Luxury Homeowner in need of insurance? Give us a call at 925-297-4202 and we can help to provide a comprehensive insurance package to protect you, your family, and your assets. Looking for a quote now? Complete the form on the right and an agent will be in touch with you shortly.
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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.

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