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5865 Ridgeway Center Parkway, Ste. 300
Memphis, TN 38120

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Featured Insurance Blog

What is the benefit of having high value home insurance?

The warm weather and growing economy have led many people to move to the state of Tennessee. Along with this, property values have continued to appreciate, and many people now find themselves living in valuable homes. For those that are living in a home that either cost a lot or has appreciated considerably in value, getting a high-value home insurance plan could be a good idea.

There are various benefits that come with having this type of home coverage:

Ensure Assets are Fully Protected

One of the main reasons to have a high value home insurance plan is to ensure your assets are fully protected. With standard home insurance plans, there are limits to how much property and liability insurance you can receive. However, if you get high-value home insurance, the limits are much higher, and the insurer will likely be able to offer coverage that will appropriately cover your home.

Additional Benefits of Coverage

While you will enjoy coverage for your full property value, high-value home insurance can also provide additional benefits. This type of insurance can provide you with higher levels of personal liability coverage to help protect other assets, give more coverage for personal items, and provide ancillary benefits such as protection for contractors or domestic employees. There are generally many choices to make when looking for this type of insurance. 

Reach Out To Us

Ensuring that your Tennessee property is appropriately covered with insurance is very important. When you are looking for high-value home insurance, it can be an ideal option to call our team with Riskbusters Insurance. Our insurance professionals with Riskbusters Insurance will offer any support that you need to assess your needs and build a quality plan that will mitigate any risks. 

How Does High-Value Home Insurance Differ From Regular Home Insurance?

If you own a luxury home with high-end building materials and finishes, you may benefit from high-value home insurance. At Riskbusters Insurance, serving homeowners throughout the state of Tennessee, one of the questions that we are commonly asked about high-value home insurance is how this type of insurance differs from regular home insurance.

Here are some of the key differences between high-value home insurance and regular home insurance:

High-Value Home Insurance Typically Has More Flexible Policy Language

One of the major differences between regular home insurance and high-value home insurance is the policy language. The policy language on high-value home insurance policies is typically more flexible compared to traditional home insurance policies. This gives you more freedom to select the included items and policy terms that make sense for you and your home. 

High-Value Home Insurance Typically Covers More Than a Regular Home Insurance Policy

The other major difference is that high-value home insurance typically covers more than a regular home insurance policy. High-end art that is often excluded may be included. And high-end finishes that may often be excluded from regular policies are often included under these policies. If you have high-end items in your home, a high-value policy may better fit your needs. 

Get The Right Coverage For Your Needs

You cannot prevent everything from happening. But, what you can do, is ensure you have the right insurance in case something unexpected does happen.

At Riskbusters Insurance, serving the entire state of Tennessee, we can work with you to help you find the insurance products and policies that are right for you and your needs. Schedule an appointment with us to discuss your home insurance needs and let us help you determine if regular home insurance or high-value home insurance may be the right fit for you. 


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