Home Insurance Florida | Waterfront High-Valued Homes

Home Insurance Florida| Could anything be better than enjoying a day beside the water? How about spending every day beside the water? Owning a waterfront high-valued home can be a dream come true, but it also poses more risks than an inland home. Protect your Florida dream home with homeowners insurance for expensive homes from American Integrity Insurance Group.

Related Post: Who Needs High Valued Home Insurance?

Educate Yourself About the Risks

Home ownership in any location comes with certain risks, but living beside the water carries those same risks plus several more. A vacation home or your primary residence beside the water can potentially pose more risks for accidents or damage. This is true when just your family is present or when you invite guests to share in the fun. This is why you should be sure your homeowners insurance for expensive homes provides you with thorough coverage.

Increased Liability

High-valued homes on the water are prime places to invite and entertain guests – however, when guests are on your property, you assume responsibility for them. This includes when they are swimming, playing with your pets, boating or using a personal watercraft, as well as on-property activities like outdoor grilling, yard games or fireworks. Umbrella coverage can augment your liability coverage if an unfortunate accident were to occur on your property.

Increased Potential for Weather Damage

Waterfront high-valued homes are situated where they can bear the brunt of Florida’s extreme weather. Our state points directly into a volatile hurricane channel and even the most strongly-built home can suffer damage from severe weather. Does your homeowners insurance for expensive homes include adequate coverage for weather damage?

Valuable Property

Waterfront high-valued homes typically house or include valuable property like watercraft, outdoor structures, unique collections and other rare objects that can be the target of potential thieves. How much coverage do you currently have for these valuables should you experience a theft in your home?

How Can Homeowners Insurance for Expensive Homes Help Me?

Our specific homeowners insurance for expensive homes from American Integrity Insurance Group provides the extra coverages that are needed for extra-special living and extraordinary properties valued between $750,000 and $10 million.

Our Premier Policy for High-Valued Homes includes:

  • Ordinance or Law Coverage at 50% of your Coverage A amount to keep up with new Florida building codes, which are among the strictest in the nation.
  • Increased carport, pool and screen enclosure protection.
  • Higher coverage amounts for unattached structures, personal property, watercrafts, personal liability and more!
  • Identity Recovery Coverage that includes your own dedicated restoration case manager.
  • Service Line Protection that covers repairs to underground pipes and wiring.
  • Home Computer Protection.
  • Home Systems Protection that includes loss of use and spoilage losses.

Does your homeowners insurance for luxury homes cover all this? If not, your property, assets and family may not be sufficiently protected. Why risk tragic and expensive losses to everything you have earned with sub-standard insurance coverage? Contact an American Integrity Insurance Agent today to discuss how we can help you protect waterfront high-valued homes with our premier homeowners insurance for expensive homes.


American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.

We offer traditional and high valued homeowners insurancecondo insurancerenters insurance, and the special coverage required for vacant homesmanufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insuranceumbrella insurancegolf cart insuranceboat insurancecyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.