As an owner of a distinctive home, your insurance needs are unique. Your home is a significant investment, and it is important that you have the right coverage to protect special characteristics and custom fixtures as well as your fine possessions. At The Andrew Agency, we have the expertise to not only meet your expectations, but to surpass them. We work with specialty carriers such as Chubb, Travelers High Value Homes, and Cincinnati just to name a few.
High Value homeowners insurance coverage is a smart value, providing both broad coverages specially designed to protect your home, plus a competitive price. With high value home insurance, you can get the protection you need and the high level of service you expect, all at the right price.
High Value homeowners insurance provides coverages and policy limits above and beyond standard industry insurance policies. These broader, more expansive coverages and features are crafted to respond to your special requirements, and include:
- Additional replacement cost coverage that can pay the full amount to rebuild your home and other property structures – and replace your personal possessions – even if the actual cost is up to double the coverage limits
- In the case of a total loss, the option to choose a cash settlement up to the limit of your policy rather than rebuild.
- A higher limit of coverage for accommodations and other increased expenses (like meals and laundry) if you are temporarily displaced from your home by a covered loss
- If you need to rebuild your home due to a covered loss, coverage to respond to changes in building codes
- Automatic inclusion of personal injury protection, providing you with coverage for lawsuits arising from false arrest, libel, slander, wrongful entry or eviction, defamation of character, or invasion of privacy
- Higher limits for valuable items such as jewelry, furs and watercraft
- Special coverages that are automatically included in your policy such as electronic data restoration and identity fraud protection
- A wide range of higher deductibles up to $50,000 that can provide you with an option to reduce your annual premium
To help ensure you have the most appropriate limits of coverage and to appropriately underwrite your risk, we conduct a custom inspection of your home and furnishings, conducted by expert staff employing sophisticated valuable methods. In the event of a claim, the inspection report provides detailed information about your home and its value, helping expedite the claims process.
The Andrew Agency can help with your other insurance needs
The Andrew Agency offers a full range of products to complement your homeowners policy. Our agents can tell you more about these coverages, which include:
- Additional valuable items protection for possessions such as jewelry, artwork or collections
- Excess liability (umbrella) protection
- Auto insurance
- Boat and yacht insurance
- Vacation home insurance
Contact The Andrew Agency today at (804) 320-2886 or visit our contact page to schedule an appointment.