High-Value Home Insurance

    Luxury home insurance,
    built around you

    Guaranteed replacement cost, worldwide coverage for jewelry and art, and up to $10M umbrella — through PURE, Berkley One, and Chubb Masterpiece.

    Coverage that matches your lifestyle

    Standard policies max out fast. High-value policies are engineered for what you actually own.

    Guaranteed replacement cost

    Full rebuild coverage even if costs exceed your policy limit — critical for custom and luxury homes.

    Scheduled jewelry & watches

    Worldwide coverage for high-value jewelry, watches, and heirlooms with no deductible.

    Fine art & collectibles

    Agreed-value coverage for art, wine, antiques, and collectibles — protected in transit and on display.

    $1M–$10M umbrella liability

    Personal excess liability built for higher net worth exposure — libel, slander, and worldwide coverage.

    Cyber & identity protection

    Cyber extortion, fraud, and identity restoration services included on select policies.

    White-glove claims service

    A dedicated adjuster and personal advisor — not a call center — for every claim.

    Only the top high-net-worth carriers

    We shop your home across the country's best-rated luxury insurers — you get one quote, we do the work.

    PURE
    Member-owned, high-net-worth specialist
    Berkley One
    A W.R. Berkley company for successful families
    Chubb Masterpiece
    The original luxury homeowners policy
    Cincinnati Executive
    Bespoke coverage for custom estates

    Good to know

    Straight answers about luxury home insurance.

    What is high-value home insurance?+
    High-value (or luxury) home insurance is designed for homes typically valued at $1M+ or with unique features — custom construction, architectural details, extensive collections, or estate grounds — that a standard HO-3 policy can't properly cover. It provides guaranteed replacement cost, higher liability limits, and scheduled coverage for valuables.
    When do I need a high-value homeowners policy instead of a standard one?+
    If your home would cost $1M+ to rebuild, you own fine art, jewelry, wine, or collectibles worth more than $25K, or you have significant liability exposure (pool, staff, board seats, public profile), a high-value policy from PURE, Berkley One, or Chubb will cost less and cover far more than stacking endorsements on a standard policy.
    Which carriers does bubl work with for high-value homes?+
    bubl is appointed with the top high-net-worth carriers including PURE, Berkley One, Chubb Masterpiece, and Cincinnati Executive Capstone. We shop your risk across all of them so you get the best coverage and pricing without doing the legwork.
    Can I bundle high-value home insurance with auto and umbrella?+
    Yes — bundling is where the biggest savings live. A single carrier for home, collector auto, and $1M–$10M umbrella typically saves 15–25% versus splitting policies, and gives you one adjuster for a coordinated claim.
    How much does high-value home insurance cost?+
    Premiums vary by rebuild cost, location, and scheduled items, but high-value policies are often less expensive than a maxed-out standard policy for the same home because the carriers are built for the risk. Get a quote in about 2 minutes.

    Bundle & save up to 25%

    Combine your coverage into one bubl and pay less for more protection.

    Auto Insurance

    Collision, roadside help, EV perks — starting at $29/mo.

    →

    Umbrella Insurance

    Extra liability protection — starting at ~$200/year.

    →

    Flood Insurance

    Protect against flood damage — starting at ~$40/mo.

    →

    Protect what took a lifetime to build

    Tell us where to send your private quote. Andrew will reach out personally — no call center, no spam.

    By submitting you agree to be contacted about your quote. We never sell your info.