Elite Coverage for Exceptional Homes
Your home is more than just a dwelling—it’s an investment in your lifestyle, your future, and your legacy. At South Shore Insurance, we specialize in providing customized high-value homeowners insurance for homes with a construction value of $1,000,000 or more. We understand that your luxury property requires tailored protection that goes beyond standard coverage, ensuring that your home, belongings, and lifestyle are fully safeguarded.
What Is High-Value Homeowners Insurance?
High-value homeowners insurance is specifically designed for homes with exceptional features and a construction value of $1,000,000 or higher. Standard homeowners insurance simply doesn’t offer the level of protection required for these types of properties. Our high-value policies provide:
- Higher dwelling coverage that reflects true replacement costs
- Coverage for luxury features, custom materials, and high-end appliances
- Special provisions for personal property, including fine art, jewelry, and collectibles
- Extended replacement cost to account for rising construction costs
- Coverage for additional properties such as vacation homes, guest houses, or estates
- High liability limits to protect against greater exposure
- Concierge claims service and risk management consultations
Comprehensive Coverage for Luxury Properties
Florida’s luxury homes face unique risks, from hurricane damage and flooding to wind damage and saltwater corrosion. Your high-value property deserves insurance that fully accounts for these risks. Our coverage options are tailored to match the specific needs of your home and lifestyle, including:
- Full coverage for custom finishes—from exotic woods to imported stone and specialty lighting
- Personal property protection for fine art, jewelry, wine collections, and rare antiques
- Additional living expenses coverage with no caps during the rebuilding or repair process
- Protection for secondary properties, such as vacation homes, beach houses, and riverfront estates
- Liability coverage for the unique needs of high-net-worth individuals, including coverage for personal staff or guests
- Risk mitigation services to help safeguard your home from natural disasters or vandalism
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Experience and Discretion You Can Trust
At South Shore Insurance, we understand that protecting your luxury home is about more than just the policy—it’s about trust, discretion, and unparalleled service. Agency owner Jennie Lanman, a long-time Stuart resident, has built a reputation for providing high-net-worth individuals with the personalized attention and expert guidance they deserve.
With our access to premium carriers specializing in luxury properties, we’re able to offer comprehensive, customized coverage that meets your exact needs. Whether you’re securing a newly constructed estate or updating coverage for a multi-million dollar property, we ensure your home is protected to the highest standards.
Why Choose a Local, Boutique Agency?
As a Stuart, Florida-based agency, we’re more than just insurance agents—we’re part of the community. We understand the specific challenges faced by Florida’s luxury homeowners, from the risks of coastal living to the unpredictable Florida weather. Unlike large, impersonal call centers, we provide:
- Direct access to your agent—someone who knows you and your property
- Proactive risk management and guidance tailored to luxury properties
- A long-term relationship built on trust and personalized service
- Expert advice on everything from hurricane preparedness to high-value asset protection
Let’s Secure Your Legacy
Insuring a luxury home requires more than just coverage—it requires a tailored approach that reflects the true value of your property and your lifestyle. With South Shore Insurance, you’ll receive unparalleled service and the confidence that comes with knowing your home and assets are fully protected.
Contact us today for a confidential consultation and let us design a high-value homeowners policy that’s right for you.
Your home is extraordinary. Make sure it’s protected accordingly.
Would you like to explore adding sections on specific types of high-value properties, such as waterfront homes, or would you prefer to include an FAQ section about the unique aspects of insuring luxury homes? Let me know if you need anything else!
