high value homeowners insurance

Real-world protection for people who live in dream homes.

High-value homes — those built to spec with custom woodwork, granite counters, media rooms, safe rooms, glass conservatories, irrigation systems, in-ground (and possibly indoor) pools, perennial gardens, and much more — deserve insurance coverage that’s just as customized.

Whether you have a beachfront property in Bay Head, an estate in Bernardsville, or a multi-acre property on the Main Line, you require the specialized attention our staff at Martin Insurance Group can provide to ensure that your insurance program is on point.

We work with top insurers that specialize in writing high-value home policies, providing increased limits on the structure, increased liability limits, and enhanced coverages to address the unique risks of these homes. We’ll meet with you to perform a comprehensive fact-finding and replacement cost analysis of the dwelling and ancillary structures, as well as the contents of your home to determine the amounts of coverage you should carry.


Don’t let one incident turn your dream home into a nightmare.

At Martin, we’ll also go over exposures that may increase your liability risk. For example, if someone should injure themselves on your property, you want to make sure your liability limits are robust enough so that your financial well-being is not compromised. Often, we augment the liability limits on a homeowners policy with personal liability insurance through a high-value umbrella policy, to protect you against a potential multi-million-dollar lawsuit.

Essential to our review is determining the valuables you have, such as jewelry, fine art, and wine collections, among others, to secure additional coverage so that you’re properly insured. We will also evaluate your exposure for excess flood damage, identity theft and rebuilding to “green standards,” to secure the coverages you require. And, if you employ domestic employees, we’ll review the need for employment practices liability insurance and workers compensation.

Our staff will review your current insurance program to determine if you have any gaps or duplication in coverage. What’s more, the insurers with which we work often offer a master policy so that coverage discrepancies can be avoided. In addition, in the event of a loss, adjusters will come to your home to assess the damage, including a loss mitigation team to help stem the loss from spreading. Claims specialists will also help you select skilled craftsmen to perform any restoration or repair work and experienced counsel are available to help resolve personal liability claims.

Martin works with many top-rated insurance companies, which doesn’t tie us to any one program and gives you the advantage that independence provides. Call now to speak with a representative about high-value homeowners insurance. We’ve already helped many clients in New Jersey and Pennsylvania, including Mercer, Middlesex, Monmouth, and Ocean Counties, as well as Bucks County, PA, and have the experience and expertise to protect you and your family. We invite you to find out more about the difference we can make in insuring what’s important to you. Please click here for a quote or give us a call at 800.353.5000.

Q. Why do I need high-value homeowners insurance?

A. If you have a home that’s out of the ordinary, you need homeowners insurance that’s something special as well. Without it, your home and belongings could be damaged or destroyed — and you’d have to pay to replace all of it out of your own pocket. Martin Insurance Group can help you assess your needs and get insurance that covers you in case of loss or lawsuits.

Q. Why should I buy high-value homeowners insurance from you?

A. Martin Insurance Group works with thousands of New Jersey and Pennsylvania residents. What’s more, we have been selling insurance since 1983, and are a stable company you can trust.

Here are some additional reasons customers trust us for their personal insurance needs:

We could save you money.
As an independent insurance agent, Martin isn’t tied down to one solution. ...READ MORE We can compare policies and pricing on coverage such as jewelry insurance and homeowners insurance from a variety of providers and help you choose the one that’s right for your unique needs.

We might even recommend one insurance provider for part of your coverage, and another for other coverage — whatever makes the most sense.

We stay on top of the paperwork.
With all that you have going on, it’s easy to forget to file or renew coverage. So Martin has developed quality control systems that ensure your insurance records are current. No more scrambling to meet dates or find documents — your Martin team will make sure you are on the ball and in compliance.

Q. I already have homeowners insurance. How do I know if it’s the right type or amount?

A. If you already have some form of homeowners insurance, but are not sure if it is the right type or amount of coverage, schedule a no-obligation review of your existing policies.

Our experienced team is generally able to identify gaps in coverage or opportunities to save money. Contact Martin today to schedule a complimentary review.





Email: info@martinins.com • Toll-Free: 800.353.5000 • Telephone: 609.356.1500
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