High Value Home Insurance

Insure Your High Value HomeThe cost of High Value Home Insurance for Ames and all of Iowa is minimal when you consider the additional risk exposure. A home that has a high market value is typically located in an extremely desirable location, which means that the cost of reconstruction is great. Without adequate coverage, you could pay significantly to repair or reconstruct your damaged property in the event of a loss.

Before you put the money down on your dream home, you likely made sure everything from the countertops to cabinets were just as you desired. The same level of care and attention should be applied when choosing a High Value Homeowners Insurance policy to protect your dream.  Not all homeowner policies are “one size fits all” and your unique home requires unique coverage. 

At Knapp Tedesco Insurance, we have a High Value Home Solutions program which includes features, higher limits and insurance discounts that you will not find on traditional homeowners policies.   Our agents are trained and educated in high value home insurance and our carriers specialize in this type of coverage.   

High value homes are selected carefully with an abundance of customizations, such as vaulted ceilings, luxury kitchens, fitted appliances and custom molding. A standard home insurance policy is not going to cover all of these enhanced features. It is crucial that you invest in a Luxury Home Insurance policy that will cover your elite home and all of the valuable items contained within it.

The specialty coverage that Knapp Tedesco Insurance offers in their High Value Home Solutions program provides you with the comprehensive coverage that you as a responsible luxury homeowner will definitely appreciate. Our coverage is the most extensive in the industry to meet your unique needs, such as customized options for additional structures on your property, valuable contents, water-sewer back-up coverage as well as additional living expenses. Simply fill out the quote form at the top of this page or call us at 1-515-232-7060 to start your free quote.

Highlights Included in our High Value Home Solutions Insurance Program:

  • Survey of Your Home – We document the customized features and special touches of your home . Photos of the interior and exterior are taken and diagrammed.  Inspecting every property is crucial in knowing there is the appropriate amount of coverage. 
  • Property Insurance –Includes replacement cost coverage and will pay you the policy limit if you decide not rebuild.  This is called cash-out.
  • Contents – Includes replacement cost even if you don’t replace. 
  • Valuable Articles – Increased limits for collectibles including jewelry, furs, silverware, guns and more.
  • Water Damage – Covered up to policy limits for overflow of a sump pump, back up of sewers or drains and hydrostatic pressure. 
  • Personal Liability – Personal injury such as libel and slander coverage, incidental business activities for you and your children.

Replace, Rebuild Or Settle For Cash

A High Value Home Insurance policy through Knapp Tedesco Insurance offers you choices when it comes to replacing or repairing your home following a covered loss. You can choose to receive a cash settlement up to the limits in your policy, or take the full amount of a covered loss regardless if you chose to replace contents that were stolen, rebuild a structure that was damaged or reconstruct your home when it is damaged.

Our knowledgeable and friendly agents work hard to make sure that each and every one of our customers is provided with adequate coverage limits. However, we are also aware that the estimation of the cost to rebuild a home is not an exact science, especially when the home is a large, luxurious structure with unique features. We will take the time to get to know you and to make sure that your Ames High Value Homeowners Insurance policy will provide you with the coverage you need in order to rebuild your home to your original standards.

We understand that the slightest error when writing a policy can be incredibly costly. That is why we take the time to make sure that you policy is written correctly the first time.

High Limits And Broad Coverage

A critical benefit of High Value Home Solutions is the increased level of protection that you get for not just your home, but also for your possessions like your antiques, collections, furs, jewelry and silver. If you ever have the need to make a claim, you can rest assured knowing that you will receive enough money to cover the cost of your personal property, much more than a standard Homeowners Insurance policy could. Ask our skillful agents about protecting your most valuable possessions in the case of theft or total loss.

Eliminate The Risk

Knapp Tedesco Insurance certainly hopes that you never have to file a claim, but in the likely event that you do, we want you to be fully covered. You may save a few dollars sticking to a standard home insurance policy. However, when disaster does strike, you may find you have everything to lose.

Without adequate High Value Homeowners Insurance coverage, you will not be able to rebuild your dream home. In addition, you may find that your entire way of life is affected because your standard for living will be reduced by such an enormous loss.

The only way to ensure the protection of you, your home, your family, your belongings and the lifestyle to which you have become accustomed is to invest in an effective Luxury Home Insurance policy.

Do not wait until it is too late to purchase the coverage that you need. A no-risk quote is less than a day away. All you have to do is complete the simple quote form to find out just how affordable coverage is for your high value home.

Get a Quote Now or call (515) 232-7060