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.