High Value Homes

High value homes are generally categorized as those with a value in excess of $750,000.  For homes with this kind of value, sometimes standard homeowner's insurance is not the ideal fit and does not recognize the unique coverage needs of high value homeowners.  That is why it is important to work with an agency that understands and specializes in this type of coverage.

In addition to standard homeowner’s insurance coverage, we are able to offer our high value homeowner clients additional coverage including:

  • Property Insurance - Guaranteed dwelling replacement cost coverage, unlimited building code coverage, as well as “all risk” coverage.
  • Contents - All risk and replacement cost coverage.
  • Valuable Articles - For collectables including art, computers, jewelry, furs, silverware, guns and more.
  • Loss of Use - Unlimited loss of use coverage.
  • Personal Liability - Libel and slander coverage, credit card coverage, $10,000 in medical payments.
  • Identity Theft Insurance - Many of our insurance policies now include coverage for losses due to identity theft.


There are a lot of options out there when it comes to protecting your high value home.  Gatta Insurance can help you to understand all of your options to best protect it.