Luxury Home Insurance in Greenwood Village, Denver, and all areas of Colorado
Luxury Homeowners Insurance Quote Form
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Luxury Home Insurance Quote
Protecting your home is one of the most important duties you can have as a homeowner. Unfortunately, not all home insurance policies are created equal. If you have a home with a high value or is considered luxury, you may need specialized luxury home insurance.
The DeLuca Agency works with homeowners to evaluate their risks and provide comprehensive, affordable luxury home insurance. We are dedicated to helping you and your family feel protected in your home.
What is Covered Under Luxury Home Insurance?
Luxury home insurance, also known as high value home insurance, offers a lot of the same kind of coverages available under a normal home insurance policy except with higher limits. Coverage you may find for your luxury home can include:
Liability insurance covers claims regarding bodily injury and property damage that may occur on your home’s property. If someone is injured in your house, liability insurance can cover expenses related to the injury and a related lawsuit.
Dwelling coverage provides compensation for damages to your physical home and its attached structures caused by fire, wind, hail, lightning, smoke, theft, vandalism and other incidents. For example, if a bad storm causes damage to your home’s roof, this coverage can provide compensation for repairs.
Personal Belongings Coverage
Personal belongings coverage provides compensation for damages to your personal belongings caused by fire, lightning, smoke, theft, vandalism and other incidents. Covered personal items may include furniture, clothes, decorations, antiques, fine art, collectibles, and more.
Additional Living Expenses
Additional living expenses cover costs related to temporarily moving after your home is rendered uninhabitable by a disaster. If you are unable to remain in your home after a bad storm, for example, additional living expenses can help with costs to temporarily move.
Other coverages we offer for your luxury home include:
Water Backup: Most water damage isn’t covered under home, condo or renters insurance. Water backup coverage can provide compensation for damage or loss of the home or personal property due to sewage or plumbing accidents.
Brand New Belongings: If you purchased a new item (such as a brand-new computer) that was destroyed or damaged due to a covered peril, brand new belongings coverage will provide the replacement cost for said item.
Replacement Cost Coverage: This type of coverage applies to property and will provide compensation to rebuild your home at equal or similar value.
Guaranteed Replacement Cost Coverage: While some policies will not cover policy limits, guaranteed replacement cost coverage will cover the value of replacing the home after a disaster if it costs more than the original coverage limits.
Earthquake Coverage: Many homeowners and renters think that earthquakes are included in their dwelling or personal possessions insurance, but it isn’t. Instead, you can purchase separate earthquake insurance. This is especially important for residents in California and other areas with heavy earthquakes.
Insure Your Luxury Home Today
Speak with an insurance agent from The DeLuca Agency about protecting what matters most with a luxury home insurance policy. Call us at 720-484-3732 or fill out an online quote to get started today.
Common Luxury Home Insurance Questions
How Much Does Luxury Home Insurance Cost?
The cost of luxury home insurance varies depending on your home’s location, replacement cost value and other factors. Luxury home insurance will typically cost more than a basic home insurance policy, so fill out a online quote form
to find out how you can save on luxury home insurance today.
How is Luxury Home Insurance Calculated?
Premiums for home insurance policies are primarily calculated based on your home’s total replacement cost value. The higher your home’s value, the most insurance you will need and thus the higher premiums you may pay. Other factors influencing your rates can include your claims history, credit score, location, coverage limits and more.
Who Needs Luxury Home Insurance?
A luxury home is generally a home valued at more than $750,000, though this can vary by insurer. If you have a high value or luxury home, you will need specialized home insurance to protect your assets.