High-value home coverage
matched to replacement cost.
High-value homeowners, vacation homes, and rental properties underwritten to true replacement cost with broadened perils and guaranteed repair provisions.
Why Standard Home Insurance Fails Luxury Estates
Standard mass-market home policies impose strict settlement limits, depreciated roof payouts, and capped water damage provisions. For homes valued over $1M in Southlake, Westlake, and DFW, an unexpected pipe burst or severe hail event can lead to hundreds of thousands of dollars in uncovered out-of-pocket costs.
Guaranteed Rebuilding
Rebuild with your choice of custom craftsman builder, matching rare stone, imported hardwoods, and architectural millwork without arbitrary carrier caps.
Broadened Water & Sewer Backup
Full policy limits for sewer, drain, and sump pump overflow, including swimming pool and basement/foundation water intrusion perils.
Alternative Living Expenses
Unlimited reasonable additional living expenses maintaining your family's standard of living in your local school district while repairs are completed.