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High-Value Homeowners

Nearly 40% of high-value homes are underinsured

More than 3.4 million people in the U.S. own a second home. Additionally, there are more than 2 million homes in the U.S. with values exceeding $1 million, representing a twofold increase since 2012. This recent surge in high-value homes brings an increased demand for specialized coverage. However, experts estimate that as many as 40 percent of high-value homes are underinsured. Ensure your successful clients are not exposed to significant losses due to insufficient coverage.

High-Value Homeowners Coverage can provide necessary protection for your clients by extending beyond what is offered by the standard insurance market.

Coverage Details and Features

  • Wide selection of admitted and non-admitted package options
  • Stand-alone or packaged coverage for jewelry, fine arts, etc.
  • Availability in coastal or brush areas
  • Water Damage Coverage, Backup Sewer and Drain Coverage
  • Builders Risk Coverage available
  • High deductible options
  • High liability limits available
  • Green endorsements
  • Mold sublimit


Available on Exclusive Burns & Wilcox contracts. Ask your Burns & Wilcox specialist for more information

  • Personal Cyber Coverage
  • Identity Theft
    • Reimbursement for direct monetary loss, not recoverable or reimbursed by financial institution or payment card issuer, resulting from identity theft
    • Reasonable and necessary fees, costs and expenses, to assist in investigating, responding and remediating identity theft incident
  • Cyber Extortion/Ransomware
    • Reimbursement up to $500 for ransom payment to terminate a cyber extortion demand
    • Pay data restoration expenses incurred, as a result of a cyber extortion demand

Target Classes

(including but not limited to)

  • Rentals and Secondary Homes
  • Single Family Dwellings
  • Condos
  • Farms and Ranches
  • Homes in brush, coastal areas, and earthquake zones
  • Rentals and secondary homes

At Burns & Wilcox our expertise becomes your expertise. Our marketing materials are designed to help you give your clients what they want to hear – yes to almost any hard-to-place-risk.


19th century home

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