High Value Homes

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Home Protection Highlights

What's in a proper homeowners policy? Here are just a few key features that give comprehensive protection:

  • Extended Replacement Cost*: With extended replacement cost coverage, after a covered loss your policy will pay to have your home repaired or rebuilt to its original beauty-even if the cost exceeds your policy limit. We will even pay for necessary upgrades due to modern building codes. 

  • Cash Settlement: In the event of a covered total loss, if you decide not to rebuild or to rebuild at another location, your policy offers a cash settlement, up to your policy limit. The choice is yours.

  • Risk Consulting: Through complimentary home appraisals, a highly trained appraisers will visit your home to carefully note the things that turned your house into your home and make sure you are fully protected. Our appraisers also assist with security and fire prevention advice.

  • Temporary Living Arrangements: If your home cannot be lived in due to a covered loss and you need a temporary residence while your house is rebuilt, we will help you find a place to stay where you’ll be comfortable, whether that's at a similar type of home in your school district if available or a suitable hotel.

  • Replacement Cost Coverage: In the event that the things inside your home are damaged, your policy will replace the details that turned your house into a home, from upgraded appliances to custom cabinets, flooring or carpentry. Plus, we'll replace upgraded appliances based on the exact or latest model available. We'll make sure your belongings are covered for the amount it costs to replace them today, without deduction for depreciation, up to the limit you chose on your policy. In some cases, you may choose a cash settlement instead.