North Carolina High Value Homeowners Insurance Coverage

This coverage protects the structure of your home, including any custom features, high-end finishes, and unique architectural elements.

For high-value homes in North Carolina, this coverage is essential to ensure that you can rebuild or repair your home to its original standards in the event of a covered loss.

In the event of a total loss, guaranteed replacement cost coverage ensures that your home will be rebuilt to its original specifications, even if the cost exceeds your policy limit.

This coverage is particularly important for high-value homes in North Carolina, as the cost of rebuilding custom features and high-end finishes can be substantial.

As a high-value homeowner, you likely have a significant investment in your personal belongings, such as furniture, electronics, artwork, and collectibles.

Our personal property coverage ensures that these items are protected against damage, destruction, or theft.

We offer higher coverage limits and the option to insure valuable items on a scheduled basis for added protection.

Many high-value homeowners in North Carolina own significant jewelry collections, including engagement rings, heirloom pieces, and luxury watches.

Our jewelry coverage provides additional protection for these valuable items, with the option to insure them on a scheduled basis for their full value.

This coverage ensures that you can replace or repair your cherished pieces in the event of loss, theft, or damage.

High-value homes often come with increased liability risks, such as swimming pools, guest houses, or expansive properties.

Our liability coverage safeguards you against legal and financial responsibility for injuries or property damage caused to others on your property or by your actions.

This coverage is crucial for protecting your assets and financial well-being.

The landscaping surrounding your high-value home is an integral part of your property’s overall aesthetic and value.

Our landscaping coverage protects your trees, shrubs, and other plantings against damage from covered perils, such as fire, lightning, and vandalism.

This coverage helps you maintain the beauty and value of your property, even in the face of unexpected events.

As a high-value homeowner, you may be at increased risk for identity theft due to your financial status and public profile.

Our identity theft coverage provides assistance with credit monitoring, fraud detection, and the restoration of your identity in the event of a breach.

This coverage offers added peace of mind in an increasingly digital world.

If your high-value home becomes uninhabitable due to a covered peril, such as a fire or severe storm damage, additional living expenses coverage will pay for temporary accommodations, meals, and other necessary expenses while your home is being repaired or rebuilt.

This coverage ensures that you can maintain your standard of living during a stressful time.

Many high-value homes in North Carolina are located in areas prone to flooding, whether along the coast or near rivers and lakes.

Flood coverage provides protection against damage caused by rising water, which is typically excluded from standard homeowners insurance policies.

This coverage is essential for safeguarding your home and belongings against the devastating effects of flooding, ensuring that you can rebuild and recover without significant out-of-pocket expenses.