High-Value Home Insurance

 

Founded in 1957, A and H Insurance is the oldest family-owned independent broker in Nevada. We are dedicated to serving our clients as if they were our own family. High-Value Homes ($1 mil+) require an extra level of care and protection that you won’t find in standard home insurance policies. Most of our partner carriers offer the following coverage options:

Home Coverage Options

• Guaranteed Replacement Costs – the cost to replace your home will be covered, even if your coverage limit is exceeded when rebuilding.
• Higher Umbrella Limits – go above and beyond by protecting yourself from personal liability if damage is done to others or their property.
• Unlimited Loss of Use – compensation for the time you aren’t able to use your property, such as hotel costs or lost rental income.
• Cash-out Settlements – you may simply take cash instead of rebuilding your home, with no depreciation.
• Large Deductibles of up to $50K – waived at a loss of over $50K
• Service Line Coverage – for gas, electric, water, and network lines.
• Full Value on Personal Property – receive the full value when replacing personal items rather than their depreciated value.
• Ordinance and Law Coverage – for when local ordinances or new building codes add to construction cost.
• Many other options are available through our partner carriers.

Eliminate High-Net Worth Insurance Gaps

Over the years, you may have outgrow insurance program and you may be in a situation where you’re significantly under-insured. This may happen if your assets have increased or your current insurance program is disorganized.

• Some under-insured gaps may include:
• Other structures (Coverage B limit)
• Personal property (Coverage C limit)
• Loss of use of home (Coverage D limit)
• Workers’ compensation for domestic workers
• Incidental business activity exposures
• Not-for-profit director’s & officer’s (D&O) liability
• Property association or club loss assessment exposures
• Off-road recreational vehicle liability
• Watercraft
• Auto comprehensive and collision
• Deductibles too high

States We Insure

Do you own multiple homes in multiple states? We are licensed to insure homes in the following states:

• Arizona
• California
• Nevada
• as well as CO, HI, ID, MT, NM, OR, TX, UT, WA, WY
• Is your state not listed? We MAY be able to accommodate you and become licensed in your state to write your policy.

Our Partner Carriers

Do you own multiple homes in multiple states? We are licensed to insure homes in the following states:

• Chubb
• Nationwide Private Client
• NatGen Premier
• AIG
• Pure Insurance
• Travelers
• We have access to other carriers if suitable coverage isn’t found with one of our preferred high-value home insurance carriers.