High-Value Homeowners
Homeowners coverage built for a home a standard policy under-insures.
This is an estimate, not a bound policy — a licensed VAB producer confirms final terms before coverage starts. Sgt. Savings can answer questions but can't quote, bind, or guarantee coverage.
High-Value Homeowners is built specifically for homes whose rebuild cost, features, and exposure go beyond what a standard homeowners form is designed to insure. It covers the dwelling, other structures on the property, personal belongings, and loss of use if the home becomes uninhabitable, plus personal liability and medical payments coverage if someone is hurt on the property. It exists because a standard policy's coverage caps and broad-strokes underwriting frequently fall short on a custom-built, high-square-footage, or architecturally complex home.
Who This Is Really For
The ideal buyer.
This buyer just closed on, built, or substantially renovated a home whose real rebuild cost has moved well past what a standard homeowners policy's dwelling limit is designed to reach, and they're usually finding this out at a specific moment rather than in the abstract. A buyer who just financed a custom estate and is now shopping insurance to close is one common trigger, since a lender or closing agent often surfaces the gap directly. A homeowner who completed a major renovation — a full kitchen rebuild with specialty materials, an addition, custom millwork throughout — and realizes their existing policy's dwelling limit hasn't kept pace with what they've actually put into the home is another. And some of this buyer's story starts with a standard-market carrier simply declining to renew, having decided the home's value or features exceeded what that carrier was comfortable writing. What sends this homeowner looking right now is almost always a concrete event — a purchase, a renovation, a non-renewal — that made the gap between what's insured and what the home is actually worth impossible to ignore.
- Owners of a custom-built or architecturally significant home whose true rebuild cost exceeds what a standard policy's dwelling limit is designed to reach
- Homeowners with high-end finishes, custom millwork, or specialty materials that cost meaningfully more to replace than standard-grade materials
- Owners of a home on a large parcel with multiple structures — guest houses, detached garages, workshops — that need their own adequate coverage
- Anyone who's had a standard-market insurer non-renew or decline to write a policy because the home's value or features exceeded that carrier's comfort zone
- Homeowners who want a rebuilding-cost approach that accounts for today's real construction and labor costs, not a decade-old valuation
- Owners who host guests or staff regularly on the property and want liability and medical payments limits that match that real-world exposure
What It Covers
Coverage, broken down.
Coverage A — Dwelling
Covers the physical structure of the home itself against a covered loss, sized to reflect the home's real rebuild cost rather than a generic per-square-foot estimate.
Coverage B — Other structures
Covers structures on the property separate from the main dwelling — detached garages, guest houses, workshops, pool houses, and similar structures.
Coverage C — Personal property
Covers belongings inside the home against a covered loss, sized to match the real value of furnishings, electronics, and personal items in a high-value home.
Coverage D — Loss of use
Covers additional living expenses if the home becomes uninhabitable after a covered loss and the household needs to live elsewhere while it's repaired or rebuilt.
Coverage E — Personal liability
Covers the homeowner's liability if someone is injured or their property is damaged and the homeowner is legally responsible, sized to reflect the higher liability exposure that often comes with a larger home and property.
Coverage F — Medical payments to others
Covers medical costs for a guest injured on the property, regardless of fault, up to the policy's limit — a faster, simpler path than a liability claim for a minor injury.
Illustrative Scenario — How This Coverage Responds
Illustrative scenario — rebuilding after a total loss
Picture a custom-built home with high-end finishes and specialty materials that's destroyed in a house fire. Rebuilding it to its prior standard, at current-day construction and labor costs, runs well above what the homeowner's old standard-market policy would have paid out — a gap that would have left the homeowner covering the difference out of pocket. Because the home is insured under a high-value homeowners policy sized to its true rebuild cost, the dwelling coverage responds at a level that actually reflects what rebuilding the home the way it was actually costs today.
Illustrative example for education only — not a claim outcome or a promise of payment. Every claim depends on the actual policy issued and its terms.
More Than One Way In
More scenarios.
Real coverage doesn't fit one story. Here's who else this shows up for.
The buyer closing on a custom estate financed with a jumbo VA loan
A veteran buyer closes on a custom-built estate well above conforming loan limits, financed through a jumbo VA mortgage. Their lender requires proof of adequate homeowners coverage at closing, and a standard policy's dwelling limit falls well short of what the home would actually cost to rebuild — pushing the buyer toward High-Value Homeowners before the closing date.
The homeowner completing a major renovation that pushed rebuild cost past the old policy's limit
A homeowner completes a significant renovation — a full kitchen rebuild with imported stone and custom cabinetry, plus an addition — that meaningfully increases what the home would actually cost to rebuild. Their existing standard homeowners policy's dwelling limit was never updated to reflect the renovation, leaving a real gap that only shows up when they compare the old limit to a current rebuild-cost estimate.
The family relocating from out of state into a high-value home in a new market
A family relocating for work buys a high-value home in a new state and assumes their prior insurer's standard homeowners product will simply transfer over. The new home's construction quality and local rebuild costs exceed what that standard product is designed to insure, and the family moves to a High-Value Homeowners policy sized to the new home's actual value instead.
Know The Gaps
What this doesn't cover.
Every policy has limits. Knowing them before you buy is how you avoid a denied claim later.
Earth movement, with a specific carve-back for sinkhole and catastrophic ground cover collapse
Standard earth movement (earthquake, landslide) is excluded, though a specific carve-back restores coverage for sinkhole activity and catastrophic ground cover collapse — homeowners in earthquake-prone regions need a separate policy for that broader risk.
Flood
Flood is excluded from virtually every homeowners policy, high-value or standard — flood coverage has to be purchased separately, and it's worth confirming your home's flood risk regardless of what a flood-zone map says.
Ordinance or law, beyond a sublimit for increased cost of construction
If a rebuild has to meet updated building codes that didn't exist when the home was originally built, that added cost is only covered up to a specific sublimit — a meaningful gap on an older or heavily customized home in a jurisdiction with newer codes.
Governmental action
Loss caused by an act of government authority — not a covered peril like fire or wind — sits outside what a homeowners policy is built to insure.
Utility service failure originating off the premises
If a power or water outage originates off your property — say, at the utility company's own equipment — resulting damage typically isn't covered, which matters for homes with wine cellars, aquariums, or equipment sensitive to a lost utility feed.
Behind The Quote
What goes into the decision.
What actually moves your price and your approval — no black box.
True rebuild cost, not market value
Underwriting evaluates what it would actually cost to rebuild the home today — construction quality, finishes, square footage, and local labor and materials costs — rather than what the home would sell for, since those two numbers frequently diverge on a custom or high-end property.
Number and type of other structures on the property
Guest houses, detached garages, workshops, and pool houses each need their own adequate coverage under Coverage B, so a full inventory of what's actually on the property affects how the policy is sized.
Prior carrier non-renewal or decline history
A standard-market carrier declining to renew or write a policy because a home's value or features exceeded its comfort zone is a meaningful data point underwriting considers, though it's the home's real characteristics — not the decline itself — that ultimately drive the assessment.
Local building code and ordinance-or-law exposure
Because ordinance-or-law protection is capped at a sublimit rather than unlimited, how far current local codes have moved since the home was originally built affects how meaningful that sublimit actually is for a given property.
Guest and staff traffic on the property
A property that regularly hosts guests, events, or on-site staff carries more real-world liability exposure, which is why Coverage E and F are sized to reflect actual foot traffic rather than a generic household assumption.
Getting Covered
How it actually works.
- The home is evaluated for its true rebuild cost — construction quality, finishes, square footage, and local labor and materials costs — rather than a generic valuation model
- Dwelling, other structures, personal property, and liability limits are set to actually match the home and household, not capped at a standard-market ceiling
- The policy is issued with the coverage parts (A through F) sized together, so a total loss doesn't leave a homeowner with an adequately insured dwelling but underinsured contents or liability
- If a covered loss happens, a claim is filed and the rebuild-cost approach is what determines what's paid to repair or rebuild
Let's get you covered.
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Availability
Available nationwide, underwritten individually around each home's real construction, features, and rebuild cost.
Questions, answered straight
No jargon on high-value homeowners — just what you're actually asking.
VAB's standard home insurance is shopped across VAB's carrier network for a typical home. High-Value Homeowners is a specific coverage line built for homes whose rebuild cost, finishes, or features go beyond what that standard market is designed to insure — a different valuation approach, not just a bigger number on the same form.
No — that's a different product built specifically for insuring valuables like jewelry, art, and collectibles. This policy insures the home structure itself: the dwelling, other structures on the property, contents, and liability — not individually scheduled valuables.
Standard policies are underwritten around typical rebuild costs and coverage caps. A custom-built home, specialty materials, high square footage, or multiple structures on the property can all push actual rebuild cost well past what a standard policy's dwelling limit anticipates — leaving a real gap if you ever have a total loss.
No — flood is excluded, the same as almost every homeowners policy on the market. If your property carries flood risk, that needs to be addressed with separate flood coverage regardless of how the rest of your home is insured.
If your home needs to be rebuilt after a covered loss and current building codes require upgrades that weren't required when it was originally built, that additional cost is covered — but only up to the specific sublimit set in your policy, not without limit.
Yes — Coverage E and F are meant to be sized to reflect the real exposure of a larger home and property, including more frequent guest traffic, staff, or amenities like a pool, which is one of the key reasons a standard homeowners policy's liability limit often falls short here.
Beyond This Coverage
What people in your situation also need.
VA Home Loans
A buyer purchasing a high-value home financed with a VA loan needs coverage sized to the home's real rebuild cost in place at closing.
ExploreRefinance
A homeowner refinancing a high-value property is a natural moment to confirm dwelling coverage matches the home's current, real rebuild cost.
ExploreHELOC
Owners of high-value homes commonly use home equity to fund renovations, and the improvements those funds pay for should be reflected in dwelling coverage.
ExploreHome Warranty
A high-value home's systems and appliances are covered by warranty against mechanical breakdown — the exact gap this insurance policy's exclusions leave open.
ExploreLegacy & Estate Planning
A high-value home is typically a core estate asset, making this a natural pairing for a broader legacy and estate planning conversation.
ExploreRelated Coverage
Coverage people pair with this.
Personal Jewelry & Valuable Articles Insurance
Worldwide protection for jewelry and watches that a standard homeowners policy barely touches.
Learn moreExcess Property Coverage
A second layer of property protection when your primary limit isn't enough.
Learn moreExcess Flood Coverage
Flood protection on top of your NFIP or standard flood limit, for the exposure it can't cover alone.
Learn moreReady to talk it through?
Get a quote in minutes, or ask Sgt. Savings a straight question first — no pressure, no runaround.
Insurance products described on this page are marketed by The Veteran Alliance, a licensed insurance producer, and underwritten by one or more separately licensed insurance companies, which may include Corgi Insurance Company and its affiliates. The insurer that actually underwrites your policy, its licensing status in your state, and any state-required notices will be identified in your quote and policy documents. Coverage, limits, eligibility, and pricing are determined by the underwriting insurer, may vary by state, and may change. Nothing on this page is a quote, an offer of insurance, a binder, or a guarantee of coverage — coverage takes effect only when a policy is issued.