Georgia High Value Home Insurance

Custom Home Insurance Packages for Georgia’s Finest Homes

The Peach State has a storied history with hurricanes, floods, fires, and other risks to homes, with storms being among the most common risks and often the most damaging. Accidental risks can threaten Georgia’s fine homes as well. More than half of all home fires are caused by cooking mishaps.

Affluent families and high-net-worth individuals have more invested in their homes and more to protect. Common insurance policies can’t offer the complete protection you’ll need, but with a customized high-value home insurance package you’ll find the coverage options designed to protect fine homes like yours.

Your home expresses who you are as a household and represents the success you’ve realized. Your insurance policy should be personalized to match your persona, your hobbies, your interests, and the investments you’ve made in your home. Our licensed advisors work with you to customize your coverage, prioritizing coverage where you need it most. Protecting your legacy is our top priority.

Choose from leading high-value insurers, such as Chubb, CIC’s Executive Capstone, PURE, Natgen Premier, AIG’s Private Client, and Travelers. Customize your home insurance package to protect your home, autos, collections, and more. Our experienced insurance advisors help you choose the right coverage at the best price.

High-Value Home Insurance for Atlanta, Savannah, Sea Island, and Other Areas of GA

Homes with a rebuild value of more than $1 million benefit from the customized coverage that comes with a high-value home insurance policy. Homes in Atlanta’s affluent neighborhoods, areas of Savannah, and coastal havens like Sea Island have special coverage needs. Off-the-shelf policies from traditional insurers can leave potentially costly coverage gaps, but with a high-value home insurance package specifically designed for high-net-worth households, you can protect your home, personal belongings, and assets from the unique risks faced by many affluent families.

Our state-licensed advisors can work with you closely to personalize your policies, placing more coverage where you need more protection. By choosing a high-value home insurance package, you’re protecting more than just your home itself. will also help you protect your lifestyle and the things that make a house a home, such as fine furnishings, collections, fine autos, boats and watercraft, and more. Success also brings unique liability risks. Our team can help you craft customized liability protection for you and your family that travels with you wherever you go in the world.

Why High-Value Home Insurance Offers Better Protection

Standard home insurance policies have increased maximum coverage limits over the past few decades, but for homes with the rebuild value of $1 million or more, off-the-shelf policies can leave troubling coverage gaps in several areas. In many cases, these areas in which coverage is incomplete may not be obvious until you have a claim.

With a customizable home insurance package designed for Georgia’s finest homes, many of the concerns created by standard home insurance policies are already addressed, and you’ll be pleased to find several thoughtful extras that set your coverage apart from the rest.

In addition to higher coverage limits for your home itself, you’ll also find extra policy features like guaranteed rebuild coverage, which ensures you’ll always have enough coverage to rebuild, or even cash settlement options, which offer you the choice of rebuilding elsewhere or waiting to rebuild.

The right coverage for your valuables and other belongings is also essential. With a high-value home insurance package, you can fully protect your Georgia home, including the fine decor, collections, art, jewelry, and other belongings that signify your lifestyle and make your house a fine home. Standard home insurance policies place coverage sub-limits on many types of valuables, often leaving you underinsured. High-value homeowners insurance policies approach coverage differently, allowing higher coverage limits for personal belongings while also offering more complete coverage options that let you focus coverage where you need. This customizable approach ensures you pay only for the coverage that’s most important to you, without paying for coverage you may not need.

As another benefit of choosing the right type of policy to protect your home, you’ll find extras like risk consulting, which helps identify risks that can cause injuries or other losses. Getting the right coverage for your home is essential but preventing a potential claim from happening is better — and often possible.

Higher Coverage Limits for Your Home and Personal Property

In affluent households, the contents of the home, including furnishings, collections, art, and jewelry, can have a combined value that exceeds your home’s value. A standard homeowners insurance policy usually limits the coverage for personal property to 50% of the home’s insured value. This structure can leave you underinsured, an issue that only becomes bigger as some valuables appreciate. Standard policies also depreciate the value of many types of belongings. This structure can again leave you underinsured because a claim settlement may not pay enough to replace the damaged property.

With a high-value home insurance policy, you’ll enjoy several structural benefits that allow you to fully protect your home as well as your valuables and belongings. Higher coverage limits for your Georgia home and personal property close the troubling gaps left by off-the-shelf policies. Because your coverage is customizable, you’ll pay for only the coverage limits and options you choose.

You’ll also gain the option of insuring your personal property for its full replacement value instead of a depreciated value as you’ll find with standard policies. And your personal property coverage travels with you, protecting your belongings at home, on the go, or while traveling.

Expanded Personal Liability Coverage with Higher Limits

Personal liability is among the biggest risks for Georgia’s high-net-worth households and common activities like volunteering or serving on a board can create risks not covered by a standard home insurance policy. By choosing a high-value homeowners insurance package, you can protect your family against a broad range of liability risks with coverage features and limits tailored to your unique lifestyle.

Choose coverage limits of up to $50 million, with smaller increments available, allowing you to personalize your coverage to your current needs and expand coverage as your success builds and you have more to protect.

Customized Coverage for Floods, Earth Movement, and More

Our experienced team can help you build a home insurance strategy that protects your fine home against losses due to fire, wind and hail, theft and vandalism, and several types of water damage. In many areas of Georgia, you’ll also want protection against regional risks, like storm surge, flooding, or lad movement.

We work with the most respected names in the business. Our agents work with you closely to craft a customized coverage package that insures your home against common risks but also considers less common or regional risks that can be potentially devastating. With a personalized high-value home insurance package, you have the freedom to build your coverage your way.

Additional Coverage Types to Fully Protect Your Household

High-net-worth individuals and affluent households often live a unique lifestyle that may require specialized coverage. We can help you protect your family’s lifestyle, making life’s adventure more worry-free.

• Vintage Autos, Auto Collections, Exotic Cars
• Yachts, Boats, and Other Watercraft
• Plane and Aviation Coverage for Owned or Leased Aircraft
• Coverage for Second Homes and Vacation Homes or Condos
• Protection for Second Homes Outside the US
• Cyber Liability Coverage
• Liability Coverage for Online Risks, Like Libel or Slander
• Liability Protection for Volunteering and Board Membership
• Liability Coverage for Domestic Employees
• Kidnap Insurance and Ransom Insurance

Review Your Coverage Needs with a Licensed Advisor

Protecting your luxury Georgia home requires knowledge and the right combination of coverage options. We work with high-net-worth households to safeguard the success you’ve built. Expect outstanding service combined with honest guidance to help you choose the best protection for your family.

Reach out today for a no-obligation consultation with confidentiality assured. Protecting your legacy is our top priority.

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