Protecting Your Dream Home: Why High Value Home Insurance is a Must

We proudly serve residents of New Hampshire, Massachusetts, Vermont, Maine, Rhode Island, Connecticut, New York, Ohio, Illinois & Florida.

Your luxury home in New Hampshire is more than just a residence; it's a prized possession and an investment in your future. It's essential to secure the right insurance coverage that protects your home, your valuables, and your legacy. That's where high-value home insurance comes in.

What is High-Value Home Insurance?

If you own a luxury or waterfront property, standard homeowners insurance policies might not provide adequate coverage. The gaps in coverage leave you exposed to significant financial risks in the event of damage or loss. High-value home insurance provides custom-tailored coverage to meet the unique needs of affluent homeowners.

Why Do You Need High-Value Home Insurance in New Hampshire?

Living in New Hampshire means enjoying plenty of sunshine and tropical weather, but it also means facing hurricane liabilities, fire hazards, and water damage risks. Moreover, owning a high-value home poses more risks that require better liability risk protection. For example, if you have amenities on your property that need special protection, you'll require higher personal liability and personal property limits compared to regular homeowners.

What Qualifies as a High-Value Home?

High-value homes come in different shapes and sizes, from luxury condos and waterfront properties in the Seacoast to mansions and historic homes with unique features and amenities. If your home has a high price tag, valuable collections, or rare features, you might need high-value home insurance to protect your assets and legacy.

Types of High-Value Home Insurance Coverage

High-value home insurance policies vary depending on the insurer, but they often include special perks and coverages that standard policies lack. The following are standard features of high-value home insurance coverage:

• Higher liability limits: If anyone is injured on or off your property, higher liability limits provide adequate financial protection (Umbrella Policy Insurance).
• Legal fee coverage: If a lawsuit is filed against you, you'll need adequate coverage for legal fees, which might be a potential problem if you have in-home employees.
• Attractive nuisance coverage: Properties with amenities that can attract children, such as swimming pools or playgrounds, require coverage for attractive nuisances, which make property owners responsible for any injuries caused.
• Cash settlement option: A standard home insurance policy and a high-value home insurance policy both include coverage for rebuilding your home following a loss. However, only a high-value home insurance policy presents a cash settlement choice that can compensate you with the complete insured amount of your home in cash

Get Premium Insurance Coverage with Portsmouth Atlantic Insurance

At Portsmouth Atlantic Insurance, we offer premium high-value home insurance coverage from many of the highest rated insurance carriers including Chubb, Hanover, NatGen, Safeco (Liberty Mutual) & Openly that matches your unique needs. We understand that your home is your most valuable asset, and we're committed to providing the best coverage to protect it.

Contact us today at 603-431-4020 or insure@portsmouthatlanticins.com to learn more about our high-value home insurance policies in New Hampshire and get the peace of mind you deserve.