luxury Home Insurance
For the emerald coast

We partner with the best insurers to provide the right protection for your property and lifestyle.

luxury beach home

You need a homeowners policy as specialized as your property is exceptional

Though luxury home insurance is more expensive than your average policy, the coverage is worth the price. A luxury home needs protection not offered by standard insurance policies.

Luxury home insurance policies protect the unique needs of high-net-worth families, which can include:

  • Protecting your legacy with coverage limits up to $100 million
  • Tailored coverage to meet your unique needs
  • Concierge services
  • Cover personal property such as jewelry, furs, fine art, musical instruments, silverware or valuable collections.
Our High Value Home Insurers
Our High Value Home Insurers

A special class of coverage

When you insure your high-value home worth over $1 million, you need protection not provided by mass-market insurance. To meet your unique needs, Term Brokers partners with select insurers who specialize in the high-value market to protect your luxury home. These select insurers offer policies and services tailored to your unique needs. These policies provide higher limits, protection for unusual circumstances, and a straightforward claims process.

Frequently Asked Questions

A: High-value home insurance carriers typically offer more comprehensive coverage than standard insurers. Replacement cost is typically included.  Policies are easily tailored to cover collections such as art and jewelry. 

A: Coverage is comprehensive, limits are higher and there are more features when compared to typical mass-market insurance products.

A: High-end home insurance rates vary depending on the amount of coverage you need and the value of your home. However, expect to pay more than you would for standard home insurance.

A: You need an agency with access to the best insurers serving the Florida market.

A: Yes. High-value home insurance policies typically have higher deductibles than standard policies. This means you’ll have to pay more out of pocket if you need to file a claim. 

A: If you are buying a home valued at \$1M or more, you need high-value homeowners insurance.

Why Choose Us

Reach Us Now

Protecting your high-value home requires the right partner. Term Brokers will partner with you to protect your investments. Term Brokers knows insurance so you don’t have to. Contact us today at 850-864-2000 to learn more!

Luxury Home Insurance

A home is often the most significant investment you’ll make in your lifetime. That’s why insurance coverage is essential in an unforeseen event. High-end home insurance is designed for luxury residences worth $1 million and up.

As a high-net-worth individual, you likely have more assets to protect than the average person. That’s why a standard homeowners insurance policy might not be enough to cover all of your needs. A high-end home insurance policy can provide additional coverage for expensive jewelry, art collections, and luxury vehicles.

Top-Tier Coverage For Your Valuables

As an Emerald Coast high-value homeowner, you need superior protection for your property and possessions. 

You’ve worked hard to acquire them and want protection from unforeseen disasters. That’s why having high-end home insurance coverage from a trusted insurer is vital. 

With Term Brokers Insurance Services, you can rest assured that your home and belongings are well-protected. From top-tier coverage to competitive rates, we’ll work with you to find the right home insurance policy for your needs.

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