Finely Crafted Home Insurance

Finely Crafted Home Insurance

Your primary home is your castle – having the right coverage is critical if you want to replace it the way it stands today and not merely replace the square footage because of a covered loss.

High Net Worth Carrier Coverage vs Standard Market Carrier

 

Coverage High Net Worth Carrier Standard Market Carrier
Full Replacement Cost YES NO
Cash Settlement Option YES NO
Replacement Cost for Contents YES NO
Loss of Use YES NO
Medical Expenses $50,000 $1,000
Primary Flood Option $250K Home/$100K Contents NO
Deductible Waiver YES NO
Kidnap Expenses $100,000 NO
Loss Prevention $2,500 NO
Loss Assessment $100,000 $1,000
Guaranteed Replacement Cost YES NO
Green Upgrades YES NO
Pet Injury $5,000 NO
Back Up of Sewers & Drains YES NO
Broad Liability Coverage YES NO
Deductibe Reserve Option YES NO
Mold YES NO