Home Insurance Florida | Who Needs High Valued Home Insurance?

The Sunshine State is truly a beautiful place to live, and that’s why many homeowners choose Florida as their primary residence and erect stunningly exquisite homes. When you invest hundreds of thousands, or even millions, of dollars in a home, you need to be sure it is adequately protected. After all, a high-quality home in Florida deserves High Valued Home Insurance in Florida.

How Do I Know If I Need High Valued Home Insurance in Florida?

American Integrity’s High Valued Home insurance in Florida is designed for the unique needs of homeowners whose property is valued at $750,000 or more. These homes typically feature special amenities and comforts that are custom to the owner or the home, and these unique features need to be covered by premier insurance.  Many Florida homes that fall into this price range may be underinsured, due to owners simply not being aware of the home’s insurance needs or the availability of such a top-tier product.

It is also worth considering that Florida has borne the brunt of many severe weather events in recent years, putting valuable property in danger of sustaining considerable damage. After a storm, or after your high value home suffers extensive damage, is not the time to discover that you are underinsured.

Related Post: 5 Things to Know About High Value Home Insurance

What Is Included in High Valued Home Insurance?

A common question homeowners ask is, “Just what is included in High Valued Home Insurance in Florida?” This is a valid question, as all homeowners insurance policies provide standard coverage options. However, a high valued home requires some unique coverage options:

  • Extensive Property Coverage

    Standard homeowners insurance policies provide coverage for typical personal property items, including furniture, clothing, and some other valuables. However, if you own high-value property like art, jewelry, or collectibles, you can add an endorsement to your policy at an additional cost to be sure your valuables are insured against loss.

  • Additional Structures Coverage

    High value properties are also more likely to include additional structures that would not typically be covered under the standard homeowners insurance policy. Things like guest houses, swimming pools and pool houses, screened sun porches, tennis courts, and other amenities are included in high valued home insurance.

  • Identity Recovery Coverage

    Your High Valued Home Insurance in Florida from American Integrity includes Identity Recovery Coverage that aids you in the event you become a victim of identity theft. Owners of high value homes are more likely targets of fraud and online identity theft; therefore, this coverage is standard with your American Integrity High Valued Home Policy.

  • Coverage for Other Items

High Valued Home Insurance in Florida through American Integrity includes protection on your home systems in the event of breakdown, personal computers, high coverage for personal protection, and service line protection that covers repairs to underground pipes and wiring. Flood, watercraft and umbrella coverage may also be available to you.

Let Us Protect Your High Value Property in Florida

American Integrity Insurance Group is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. This includes high value home insurance in Florida for homes valued between $750k and $10 million. 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.