Estate home coverage that's actuallyclearcompleteyoursconsideredclear
A standard policy was not built for a high-value home. We work with the specialty high-net-worth carriers, set the rebuild value with care, and review the whole estate by appointment.
Estate home coverage, line by line.
What high-value home coverage adds over a standard policy.
| Coverage | What it covers | Good to know |
|---|---|---|
| Guaranteed or extended replacement | Rebuilding even if costs exceed the limit | The headline benefit a standard policy lacks |
| Cash settlement option | Taking value rather than rebuilding after a loss | Flexibility most policies do not offer |
| Scheduled valuables | Art, jewelry, wine, and collections | Agreed value, worldwide, often no deductible |
| High liability limits | Personal liability sized to your assets | Coordinated with an umbrella over the top |
| Additional structures | Guest houses, pools, and outbuildings | Generous limits for an estate footprint |
| Loss of use | Comparable housing while you rebuild | Without the tight caps of a standard policy |
High-value work is advisory and by appointment. We review the full estate before placing it.
Own a high-value home? Request an estate review and we will read the whole picture, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Estate home coverage, answered.
The questions estate owners ask first.
Usually a rebuild cost above roughly $1M, significant scheduled valuables, or features a standard carrier struggles to rate. The specialty carriers underwrite the whole estate differently, and that difference shows up at claim time.
It rebuilds your home to what it was even if the cost runs past the policy limit, which matters most on custom and historic homes. A standard policy caps you at the limit. We confirm which you have.
Yes. High-value coverage is advisory and by appointment, on any day of the week. We walk through the full estate before quoting so nothing is left unscheduled.
The specialty and high-net-worth carriers built for this, shopped against each other. Independent means we are not tied to one company's appetite or limits.
By appointment
Request an estate review. We will read the whole picture and shop the specialty carriers, free.
An estate usually carries
Collections and valuables
Art, jewelry, and wine, scheduled at agreed value worldwide.
Explore valuables