Utah High Value Homeowners Insurance Coverage

Utah high value homeowners insurance provides specialized coverage for luxury properties worth $1 million or more, offering extended replacement cost, higher coverage limits, and protection for valuable collections that standard policies cannot provide.

This essential coverage protects your investment from Utah-specific risks including earthquake damage along the Wasatch Fault, wildfire threats, and flood exposure.

Protecting your luxury Utah home shouldn’t be complicated. We make it simple.

At The Allen Thomas Group, we’ve spent over 20 years making high-value homeowners insurance smart and easy for property owners across Utah’s Wasatch Front, Park City, and beyond. There’s a 43% chance of a major earthquake along the Wasatch Fault in the next 50 years.

Your luxury home needs more than standard coverage.

Understanding insurance premiums and coverage limits is crucial for high-value homes. Unlike standard policies with fixed coverage limits, Utah high value homeowners insurance offers customizable deductibles and replacement cost coverage that adapts to your property’s true value.

Your insurance premiums reflect the specialized protection your luxury home requires, including higher liability coverage and extended policy limits.b

We build personalized insurance solutions that protect everything you’ve worked hard to achieve—from your mountain retreat to your valuable collections.

Our insurance underwriting process includes comprehensive home appraisals and risk assessments specific to Utah’s insurance market.

We evaluate your home security systems, review Utah insurance regulations compliance, and work with leading insurance brokers to structure coverage that addresses your unique needs.

The claims process is streamlined to provide quick resolutions when you need support most.

Let’s find the right coverage for your unique property.