--- title: Higher Limits of Liability for High Value Homes 2 description: "What dwelling amount constitutes a \"High Value Home\"" image: https://info.stuckey.com/hs-fs/hub/96235/file-375792135.jpg --- [![Logo](https://info.stuckey.com/hs-fs/hubfs/Stuckey_2019/Images/Homepage/Logo.png?width=184&height=48&name=Logo.png "Logo")](https://www.stuckey.com) [![Register](https://no-cache.hubspot.com/cta/default/96235/1e4b5195-3b4b-4a55-8764-215a52ce383d.png)](https://cta-redirect.hubspot.com/cta/redirect/96235/1e4b5195-3b4b-4a55-8764-215a52ce383d) [![LOGIN](https://no-cache.hubspot.com/cta/default/96235/392b149c-7f25-4a9f-9cb1-27c953ade342.png)](https://cta-redirect.hubspot.com/cta/redirect/96235/392b149c-7f25-4a9f-9cb1-27c953ade342) ![](https://info.stuckey.com/hubfs/Stuckey_2019/Images/Homepage/Search-icon.png) [** Back To Blog](https://info.stuckey.com/new-blog) - [Tweet](https://twitter.com/share) # Higher Limits of Liability for High Value Homes 2 - ![](https://info.stuckey.com/hubfs/Stuckey_2019/Images/Blog/author-icon.png)[Michelle Hovis](https://info.stuckey.com/blog/author/michelle-hovis) - ![](https://info.stuckey.com/hubfs/Stuckey_2019/Images/Blog/calender-icon.png)June 18, 2015 - ![](https://info.stuckey.com/hubfs/Stuckey_2019/Images/Blog/clock-icon.png)1:00:00 PMPM [![](https://info.stuckey.com/hs-fs/hub/96235/file-375792135.jpg) ](https://info.stuckey.com/blog/high-value-home-overview-0) ![Personal_Logo](https://info.stuckey.com/hs-fs/hub/96235/file-375792135.jpg?width=109&name=file-375792135.jpg) # "Affluent homeowner's may require higher limits of liability for their high value home."  A preferred policy can provide higher limits of liability for your affluent clients.  Preferred carrier's will arrange for an appraiser to visit the home and provide the insured with an estimated replacement cost for their home.  The liability limit will determine the dollar amount of coverage your client should place on their home. With this valuable information at your clients disposal, it will provide them with the tools needed in properly insuring their home. The amount of coverage for the home should be in line with the replacement cost needed to rebuild your home. It's important to remember the replacement cost and the market value are not inclusive of one another. ## **Affluent Customer Insurance Opportunity:** **Standard Liability Limits** - Minimum: $100,000 - Maximum: $500,000 **Preferred Liability Limits** - Minimum: $300,000 - Maximum: $1,000,000 **How to Quote:** - [Acord Form 80 ](https://info.stuckey.com/hubfs/PersonalLines/Acord_80_Homeowners_01.pdf)Application (Standard acord application may be used - Email fully completed applications to [PLQuotes@Stuckey.com](mailto:PLQuotes@Stuckey.com) With preferred policies these coverage's are extended worldwide. In this most litigious environment in which we live, it is most prudent to protect your client's assets and their way of life they are accustomed too. In addition to the liability limits offered within the homeowner's policy, your insured may want to add an excess policy that will provide coverage after the initial liability limits have been reached. Preferred writer's offer excess policies up to $100,000,000.   ## If you have any questions or would like a quote, please contact Stacy@Stuckey.c[om](mailto:Michelle@stuckey.com) or visit our website at [Stuckey.com](http://www.stuckey.com/) - [Tweet](https://twitter.com/share) [Previous |](https://info.stuckey.com/blog/professional-liability-software-consulting-development) [Next](https://info.stuckey.com/blog/personal-services-coverage-for-your-business-0) ### Most Popular ### Stuckey & Co - [Stuckey & Company (38)](https://info.stuckey.com/blog/topic/stuckey-company) - [professional liability (27)](https://info.stuckey.com/blog/topic/professional-liability) - [Miscellaneous Professional Liability (26)](https://info.stuckey.com/blog/topic/miscellaneous-professional-liability) - [Blog (24)](https://info.stuckey.com/blog/topic/blog) - [professional E&O (24)](https://info.stuckey.com/blog/topic/professional-eo) - [MPL (23)](https://info.stuckey.com/blog/topic/mpl) - [safetytek (22)](https://info.stuckey.com/blog/topic/safetytek) - [stuckey and company (20)](https://info.stuckey.com/blog/topic/stuckey-and-company) - [it insurance (19)](https://info.stuckey.com/blog/topic/it-insurance) - [IT E&O (18)](https://info.stuckey.com/blog/topic/it-eo) - [cyber liability insurance (17)](https://info.stuckey.com/blog/topic/cyber-liability-insurance) - [Stuckey & Co. 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