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Washington D.C. High-Value Home Insurance
- Uncompromising Coverage for Washington D.C Homeowners
- Compare Private Client Insurance Packages from Top Insurers
- Personal Insurance Designed for High-Net-Worth Households
- Powered by Chubb, AIG, PURE, Cincinnati, & Vault
- Ranked Top in the U.S. by Insurance Business America
Washington D.C. Luxury Home and Insurance Packages
Just minutes away from the capitol complex and historic sites, Washington D.C. is home to more than 700,000 people. As the nation’s capital, the city has long been synonymous with opportunity, ranging from business owners to law offices to cutting-edge tech firms. All this amid the scenic backdrop of one of the country’s oldest and most storied cities.
Areas like Georgetown, Dupont Circle, Wesley Heights, Forest Hills, Foggy Bottom, and West End each have their own identity, a historic charm and sense of place that defines daily life in the nation’s capital. From architectural details that make your home one of a kind to art and the possessions you value most, high-value homes in Washington D.C have special insurance considerations. At Coastal Insurance, we can help you protect your home, autos, art, and lifestyle, insuring against the unexpected.
We work with successful households across the country and our experienced advisors help you compare rates from the nation’s leading high-value insurers. It all begins with a conversation to understand your needs, priorities, and lifestyle. Then, we help you identify areas of potential risk and cost-effective ways to protect your family and the success you’ve built. As an independent insurance agency, our advisors can help you find the coverage you need at the best rates possible.
Insurance for Luxury Washington D.C, Homes in Georgetown, Dupont Circle, and Other Areas
High-value home insurance policies bring higher coverage limits and more flexibility in the way your coverage applies. You’ll find additional customization options for your home itself as well as the things that make a house a home. Build your policy your way, prioritizing coverage where it matters most and insuring against risks specific to your home and lifestyle.
Private client insurance providers like PURE, Cincinnati Insurance, Chubb, and AIG Private Client specialize in coverage for high-net-worth households who have more to protect. We work with these insurers and others to bring you the best options for home insurance tailored to your unique needs, including protection for your home, flood coverage where needed, and personal liability insurance customized to fit your family’s day-to-day life.
Washington D.C. High-Net-Worth Insurance Packages
Standard homeowners insurance policies focus on basic protection for average homes. Basic policies often leave gaps that may not be obvious until you have a loss that’s not covered. Most policies leave little room for customization — one size fits all.
High-value homes need specialized coverage that’s designed to be flexible, putting your premiums to work where you need the most protection.
Washington D.C. homes with a rebuild value of $1 million or more become eligible for specialized home insurance policies with higher coverage limits for your home itself as well as your belongings. Paired with customizable liability coverage, a high-value home insurance policy becomes a personalized way to protect the investment you’ve made and safeguard your legacy.
Because high-value home policies are customizable, you’ll often enjoy a lower cost per dollar of coverage. In simple terms, you’re insuring to your specific needs, building your policy to match your priorities.
We’ll work with you closely and confidentially to understand your unique lifestyle and build a comprehensive insurance strategy at the best price possible.
Protecting your legacy is our top priority.
High-Value Insurance Coverage for Washington D.C. Fine Homes
Higher policy limits are just one advantage of high-value home insurance policies. Flexible coverage is another. High-value home insurance policies provide more flexible coverage by using more relaxed language in the insurance contract. Standard policies often read as a list of things you can’t do, while high-value home policies provide options — things you can do. These options let you adjust your policy as needed, providing more protection without many of the limitations you’ll find on standard policies, often combined with lower overall premiums.
Many times, providers that insure high-net-worth households can offer lower rates based on the pool of customers they insure. Broad market insurers have to account for a wide range of properties and circumstances, whereas specialty insurers that focus on high-value homes insure a pool of homeowners that care for their properties and manage risk well.
Standard policies limit coverage for your home’s value as well as your valuables and belongings. In many cases, coverage limits could be insufficient if you have a loss. This is particularly true for personal property like fine furnishings, valuables, and other belongings.
By contrast, high-value home insurance policies consider your true coverage needs rather than using arbitrary coverage limits designed for average homes.
With a high-value policy, you choose a protection strategy that matches your coverage priorities and insures to full value when needed. Your policy can also protect enhancements you’ve made to your home, including fencing, stone gardens, additional buildings, and other improvements.
Rebuild costs can be difficult to predict when the costs of labor and materials change rapidly. One popular option lets you select coverage that expands to provide more protection as needed — even if the cost to rebuild or repair your home exceeds your standard coverage limit. In many cases, you can also choose a cash settlement, giving you the freedom to rebuild in another location or at another time — or to use the settlement in any way you choose.
Art, architectural details, decor, and collections all reflect your persona, making your home uniquely yours. Your coverage should match your persona and the way you live life. Pair your high-value home insurance policy with additional policies to protect against risks to valuables, fine autos, auto collections, boats and watercraft, liability risks, and more.
Life changes and our insurance needs also change over time. We’ll work with you to adjust your coverage with periodic assessments and risk analyses. A high-value home policy is still a contract to safeguard the success you’ve built, but it’s designed to do so in a flexible way that allows you to get the most value out of your insurance investment.
Protect Your Personal Property Without Compromise
For many high-net-worth households, the value of personal belongings can match or exceed the value of the home itself. The contents coverage on your policy protects fine furnishings, clothing, electronics, and other personal property.
Standard policies typically cap coverage at a percentage of the home’s value, often about 50%. A high-value policy lets you define your coverage limits so you can customize your coverage if you need more protection. You’ll also have the option to protect your belongings for full replacement cost value and optimize your deductible to either reduce premiums or maximize coverage
Your personal property coverage protects your belongings at home, when you commute, or when you travel.
Full Protection for Jewelry and Valuables
Use your high-value home insurance policy to safeguard luxury items, including jewelry, art, and collections. Where most personal property falls under blanket coverage with a combined limit, there may be some items in your home that you want to insure specifically, ensuring full replacement coverage. By choosing this scheduled coverage option you’ll also enjoy protection from additional risks and if you have a loss, you’ll benefit from no-deductible claims.
Again, your scheduled coverage for valuables travels with you wherever life’s journey might take you.
Protect Your Family Against Liability Risks
Liability risks are often the largest concern for high-net-worth households. A high-value insurance package lets you choose expanded coverage against personal liability risks. Choose from an umbrella policy that expands your liability limits for home and auto policies while adding new coverage for libel and slander — or pair your base coverage with an excess liability insurance policy that expands coverage limits cost-effectively.
Protect your family with up to $50 million in coverage, available in lower increments that let you fine-tune your limits to your unique needs.
Build your coverage to match your lifestyle, whether you serve on a board, volunteer, or work from a home office. Your coverage can also safeguard against risks associated with domestic employees.
Coverage for Floods, Earthquakes, and D.C. Regional Risks
Washington D.C. is a springtime paradise when the cherry blossoms are in bloom in Potomac Park, but the city also sees its share of snow, rain, hail, flooding, and other risks of nature. Our experienced advisors can help you pair your home coverage with additional coverage options to protect against risks specific to your area.
Flooding is a common risk in river cities and low-lying areas. A flood insurance policy matched to your home policy ensures protection against flood damage to your home and belongings.
Safeguard Your Unique Lifestyle
Each household’s coverage needs differ, even when compared to neighbors. A high-value home insurance package gives you the freedom to customize your coverage to match your lifestyle. Compliment your home coverage with specialized policies and options as needed, without buying coverage you don’t need.
- Coverage for auto collections and exotic autos
- Insure second home and vacation homes
- Protect your family with identity theft coverage
- Liability insurance for domestic employees
- Liability coverage for home office risks
- Cyber liability coverage
- Volunteer and board member liability insurance
- Coverage for yachts, boats, and watercraft
- Ransom insurance
Speak With a Washington D.C Licensed Private Client Insurance Advisor
Coastal Insurance is an independent insurance agency licensed in Washington D.C. and in states throughout the country. We work with top-rated insurers to find the right coverage for successful households like yours at the best price possible. We’ll work with you closely to understand your coverage needs and help you craft a customized insurance strategy matched to your lifestyle and priorities.
If your home is valued over $1 million dollars, we recommended speaking with our team of state-licensed insurance advisors to learn more about custom high value home insurance packages. With Coastal Insurance Solutions, our team of advisors will partner with you to tailor a package to your unique needs and compare quotes from the finest high value home insurance companies.
Protecting your legacy is our top priority. Reach out to our experienced insurance advisors to get started.