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High Value Home Overview 1


What dwelling limit constitutes a "High Value Home"

Typically in the insurance world a home value of $750,000 and up is considered to be a High Value Home. Premiums vary depending upon the value of the home.  What typical coverage's are found in a high value home policy?  Is there a need for the additional coverage's in comparison to a standard homeowner's policy?
Choosing to insure your affluent clients with a preferred writer rather than a direct writer, often provides them with the additional coverage's that are directly built into their policy.

Affluent Customer Insurance Opportunity:

  • Size of HVH Insurance:  Approx. 2,500,000 Homes
  • Average Premium: $25,000
  • Minimum HVH Premium: $7,500 - $10,000
  • Minimum Lines of Business:  2-3 Lines (Home, Auto, Excess)
  • Minimum Coverage A Amount:  $750,000

How to Quote:

Differences Between a High Value Home vs Direct Writer

  • High Personal Lines Limits
  • Household Staff
  • Living Expenses
  • Ordinance or Law
  • High Value Home Deductible
  • Personal Lines Identity Fraud
  • Risk Management


Our carrier's understand the need for the appropriate amount of coverage needed for your affluent clientelle.

Stuckey & Company's appointed carrier's have exceptional financial strength and have received A++, the highest rating available from A.M Best Company and Triple-A ratings from Moody's and Standard & Poor's.


If you have any questions or would like a quote, please contact Stacy@Stuckey.com or visit our website at Stuckey.com

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