Palm Beach · Palm Beach County
Palm Beach High-Value Home Insurance
Private-client coverage for Palm Beach estates, historic homes and seasonal residences, with the claims service high-value homes need.
What to know
Palm Beach High-Value Home: the details that matter
Island homes are often custom or historic, frequently seasonal, and highly exposed to wind and flood. Private-client carriers offer broader coverage than standard homeowners policies, including guaranteed or extended replacement cost and cash settlement options.
- Replacement cost done rightHistoric materials and craftsmanship cost more to rebuild. An accurate replacement cost estimate is the foundation of the policy.
- Excess floodNFIP caps residential building coverage. Excess or private flood provides limits that match island home values.
- Seasonal occupancyVacancy terms, home monitoring and automatic water shut-off devices can affect coverage and price.
- CollectionsArt, jewelry, wine and collectibles belong on scheduled or dedicated collections coverage.
Your coverage checklist
What a good policy includes
Use this when you compare quotes. We'll show you how each carrier handles every item.
Guaranteed or extended replacement cost
Excess and private flood
Scheduled art, jewelry and collectibles
High-limit personal umbrella
Household staff and workers' comp
Cyber and identity coverage
FAQ
Common questions
What's different about private-client insurance?
Broader coverage, higher limits, guaranteed or extended replacement cost, cash settlement options and claims service built for high-value homes.
How much umbrella coverage should a Palm Beach homeowner carry?
Enough to protect your net worth, and often more for homes with staff, guests and pools. Try our umbrella calculator, then let's talk.
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