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High Value Home Insurance

High Value Home Insurance Information

NJ High Value Home Insurance | Monmouth County High Value Home Insurance | Affluent NJ Homeowners Insurance | Ocean County NJ High Value Home Insurance Agents.


Looking for High Value Home Insurance for your Home in Bay Head, Colts Neck, Spring Lake NJ, Rumson NJ,  near the NJ Coast , Beach, or its rivers, let the agents of  I & E Insurance help you.

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Your high value home may not be adequately covered under a standard homeowner insurance policy. Instead, you may need a policy that fills in coverage gaps and recognizes the unique coverage needs of the finest built homes. These polices are designed to protect homes with values in excess of $750,000. We can assist you in selecting a flexible policy to protect your home and your family for years to come.

What does high value home insurance cover?

High value home insurance includes higher limits and exclusive features to provide more coverage to quality homes. Many of these policies are flexible and can be tailored to the unique needs of each family. Some of your coverage options may include the following:

  Property coverage: Many policies may cover the full replacement cost of your home, even if it exceeds policy limits. Compensation rates are determined with similar construction quality and specialized location in mind. The goal is to completely restore your home and family to your accustomed lifestyle.

Valuable contents coverage: Contents coverage may replace your property with the same or similar quality items. An added benefit of this policy is the coverage of valuable luxury items, such as jewelry, fine art, electronic equipment, antiques, wine and other items of value.

Increased expenses coverage: After a covered loss, rebuilding efforts may be thwarted by a higher mortgage rate or changes in building code. This policy can cover the difference between what you previously paid and what you are expected to begin paying.

Sewer and drain backup coverage: Sewer backups and drain or toilet overflows can lead to high expenses associated with cleanup and repair work. This coverage can be added to your policy to protect against these detrimental incidents.

Secondary residence coverage: Vacation and/or seasonal homes should be similarly insured. You can add multiple homes to your high value home insurance policy to protect all of your properties against potential risks.

Ask an agent

We will help you find a policy to fully protect your home and family. Where standard polices may fall flat, high value home insurance policies offer specialized coverage to fit the needs of the lifestyle you are accustomed to. Call us today to begin protecting your future.

I & E Insurance Agency has been named the Best Insurance Agency of Ocean County NJ by the Asbury Park Press readers Choice awards for 2014

Two Time Winners of the NJ Monthly Magazine/Five Star Professionals awards for 2014 and 2015

Over 38000 Insurance Agents in NJ, Ida and Ernest Ida named one of the best

For Fast quote call 732-295-5584 or email us at

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