High-value Homeowners InsuranceThere are many things that a typical home insurance policy is not going to cover. This is especially true if your home is not typical. At Herndon Carr & Co. we want to provide owners of the finest built homes in Southwest Florida with equally exceptional coverage. Coverage that is flexible to meet your unique requirements, including customized options for additional living expenses, contents of the home and other structures on the property.

We also understand that many high-end homes in Southwest Florida is on or near the water. If your home is flooded, your homeowners policy isn’t going to cover the associated water damage. The good news is that personally tailored high-value home insurance provides coverage for these items and a lot more.

Why Get High-Value Home Insurance?

What would you do if your home was destroyed due to a hurricane? You would face the prospect of rebuilding your home as well as replacing personal property. Additionally, you may need to get a new mortgage to cover the cost of rebuilding your property. With high-value home insurance, you can rest assured that most or all of these costs are going to be taken care of.

What Is Covered?

In the event that your home is destroyed, your insurance policy will cover the cost of constructing a new home on your current plot of land. In addition, your policy may reimburse you for any additional mortgage costs that you may face. For example, if your interest rate goes up due to a higher risk of a natural disaster in your area, your policy will pay for the extra interest charges. Personal property such as computer, TVs and other contents specified in your personally tailored high-value home insurance will also be covered.

Do You Run A Business From Your Home?

The right high-value home insurance policy can help you protect yourself and your family in the event that you are sued by a client or anyone else who was injured on your property. Your insurance policy will pay for any damages that are awarded in a lawsuit. This means that you don’t have to sell your company or liquidate your house as a result of a judgement against you.

A high-value home insurance policy protects you in a variety of different ways. If you own a high-value home or multiple homes, you need to have adequate coverage. While a typical homeowners insurance policy can help you in most cases, those who live in the finest built homes or need a customized policy should look into high-value home insurance today.

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