High-Value Homes
Specialized programs for homes valued at $750K and above. Guaranteed replacement cost, extended coverage for custom features, and concierge-level claims service.
For the risks that standard policies were not built for
Some clients have protection needs that go beyond conventional coverage. High-value homes, trust-owned policies, collectibles, and unique assets require specialized insurance solutions — and that is exactly where we excel.
Coverage options
Trust-Owned Policies
Life insurance structured within irrevocable trusts for estate tax efficiency. We coordinate with your estate planning attorney to ensure proper ownership and beneficiary designations.
Collectibles & Valuables
Fine art, jewelry, wine collections, antiques, and other high-value items individually scheduled at agreed value — so you are never underinsured on irreplaceable possessions.
Excess & Surplus Lines
When the standard "admitted" market will not write a risk — unique properties, unusual liability exposures, or businesses with complex risk profiles — we access the surplus lines market. As a licensed surplus lines broker, we place coverage with non-admitted carriers and Lloyd's of London syndicates to solve risks the standard property and casualty market will not touch.
Classic & Exotic Vehicles
Agreed-value policies for collector cars, exotics, and vintage vehicles. Standard auto policies dramatically undervalue these — specialty carriers ensure proper protection.
Event & Short-Term
Special event liability, short-term rental coverage, and other temporary insurance needs that require flexible, purpose-built solutions.
Why clients choose Geneva Insurance Group
Market Access
We have relationships with specialty carriers and surplus lines markets that most agencies do not access. This means we can place coverage for risks that others cannot.
Estate Planning Integration
For clients with trusts, we understand the intersection of insurance and estate planning. We work alongside your attorney and financial advisor to ensure policies are structured correctly.
Valuation Expertise
High-value items and properties need accurate appraisals to ensure proper coverage. We help coordinate valuations and make sure your scheduled items reflect current replacement costs.
White-Glove Claims
Specialty carriers offer a different level of claims experience — from dedicated adjusters to preferred repair networks. We match you with carriers whose service matches the value of what is being protected.
Frequently asked questions
When does a home qualify for a high-value program?
Most high-value home programs start at $750K in replacement cost, with some carriers beginning at $1M. These programs offer broader coverage, higher limits, and superior claims service compared to standard homeowners policies.
How does trust-owned life insurance work?
An Irrevocable Life Insurance Trust (ILIT) owns the policy, keeping the death benefit out of your taxable estate. We help coordinate the insurance side while your attorney handles the trust structure.
Do I need a separate policy for my jewelry and art?
If your items exceed your homeowners policy sub-limits (typically $1,500-$2,500 for jewelry), then yes — scheduling them individually ensures they are covered for their full appraised value with no deductible.
What is surplus lines insurance?
Surplus lines insurance covers risks the standard, "admitted" insurance market will not write — unique properties, unusual exposures, high-hazard businesses, or coverage limits that exceed what is available domestically. The surplus lines market is regulated separately in each state by the insurance commissioner and can only be accessed through specially licensed surplus lines brokers. Common surplus lines markets include Lloyd's of London syndicates, alien insurers, and U.S.-based non-admitted carriers that specialize in non-standard property and casualty risks.
Why would I need a surplus lines broker instead of a standard agent?
If your insurance need falls outside what admitted carriers will write — a high-value coastal property, an unusual collectibles portfolio, or a business with non-standard liability exposures — only a licensed surplus lines broker can legally place that coverage. We hold active surplus lines licenses across our service area and maintain relationships with the major surplus lines markets, so when a risk has been declined or excluded by the standard market, we already know where to take it.
Related coverage
Home Insurance
Standard homeowners coverage for properties below the $750K high-value threshold — same independent shopping, same claims advocacy.
Umbrella Insurance
High-net-worth clients pair specialty home and auto with $5M+ umbrella protection for true asset coverage.
Whole Life Insurance
Permanent life insurance with cash value — frequently structured inside an ILIT for estate-tax-efficient wealth transfer.