Home Insurance Florida | Waterfront High-Valued Homes

Could anything be better than enjoying a day beside the water? How about spending every day beside the water? Owning a waterfront high-valued home can be a dream come true, but it also poses more risks than an inland home. Protect your Florida dream home with homeowners insurance for expensive homes from American Integrity Insurance Group.

Related Post: Who Needs High Valued Home Insurance?

Educate Yourself About the Risks

Every home carries some level of risk, but waterfront living adds a few more to the list. Whether your property is a seasonal retreat or your full-time residence, its proximity to the water increases exposure to both natural and liability-related hazards. That’s why it’s important to make sure your homeowners insurance for expensive homes provides complete, customized protection.

Increased Liability

High-value homes on the water are often the hub for friends and family gatherings. When guests are on your property, you assume responsibility for their safety. That includes swimming, boating, grilling, playing yard games, or even using fireworks. An umbrella coverage can extend your liability coverage, helping protect you financially if an accident occurs.

Increased Potential for Weather Damage

Waterfront properties in Florida sit on the front lines of extreme weather. Even the most well-built home can sustain damage during hurricanes or tropical storms. Make sure your homeowners insurance for expensive homes includes robust coverage for weather-related damage and code upgrades.

Valuable Property

Waterfront high-value homes also often include high-end furnishings, art, collectibles, watercraft, and outdoor structures - all of which can be targets for theft or at risk of damage. Review your policy to ensure you have sufficient coverage for these valuable assets.

How Can Homeowners Insurance for Expensive Homes Help Me?

American Integrity’s homeowners insurance for expensive homes is designed for extraordinary properties valued between $750,000 and $10 million.

Our Premier Policy for High-Valued Homes includes:

• Ordinance or Law Coverage at 50% of your Coverage A amount to keep up with new Florida building codes, which are among the strictest in the nation.
• Increased carport, pool and screen enclosure protection.
• Higher coverage amounts for unattached structures, personal property, watercrafts, personal liability and more!
• Identity Recovery Coverage that includes your own dedicated restoration case manager.
• Service Line Protection that covers repairs to underground pipes and wiring.
• Home Computer Protection.
• Home Systems Protection that includes loss of use and spoilage losses.

Does your current policy offer this level of protection? If not, your property, assets, and family could be underinsured. Don’t risk unnecessary losses. Contact an American Integrity Insurance Agent today to to learn how we can help protect your waterfront high-valued home with a premier homeowners insurance policy built for Florida living.

American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.

We offer traditional and high valued homeowners insurance, condo insurance, renters insurance, and the special coverage required for vacant homes, manufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insurance, umbrella insurance, golf cart insurance, boat insurance, cyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.