It is estimated that over 40% of high-value homes in Colorado are underinsured. Many homeowners carry just enough insurance to cover the mortgage or sale price of their home and not enough to rebuild the home in case of a total loss.

This custom rebuild does not include any custom work that was done on the home, such as additions, kitchen remodels, etc. High-value home insurance is designed for individuals with homes in excess of $1 million and more than $1 million in investable assets, especially in catastrophe-prone areas.

Most standard homeowners policies don’t guarantee full repair or replacement following a major loss. High-value home policies typically do. If a homeowner decides not to rebuild after a loss, a standard policy would not pay out. In many high-value home policies, you may receive the equivalent replacement cost in cash.

These high-value home policies provide generous living expenses coverage and include back-up sewer and drain coverage. They also provide the ability to customize for high limits, for valuable collections.

In metro areas, luxury condos are a popular choice for professionals. Some may use a condo as a second home, or as a rental property. Some luxury homeowners use their condo or home for ‘vacation swaps’ but your insurer needs to know about these arrangements.

Our commitment is to provide quality products while providing excellent service. All Access Insurance is an independent insurance brokerage located in Littleton, CO and provides products for auto, home, commercial, workers compensation and more.

Getting started is easy. Call or email for a quote.

Phone: (303) 932-1700
Email: rick@allaccessins.com