High Value Property

Service Description

High-value homes aren’t “standard,” and your policy shouldn’t be either. Cater Insurance Brokers shops private-client markets built for custom architecture, premium finishes, complex systems, and elevated liability. We start with accurate rebuild valuation (not market price) and craft a policy that covers your dwelling, other structures, contents (replacement cost), loss of use (so life stays normal), and personal liability. Then we precision-fit upgrades: Guaranteed/Extended Replacement Cost to rebuild right, even if costs surge Cash-out options where offered Water & sewer backup and broader water damage Service line + equipment breakdown for high-end mechanicals & smart homes Ordinance or law for code/green rebuilds Scheduled valuables (jewelry, art, wine, collections) with agreed values Higher liability and umbrella limits for pools, staff, rentals, and social exposure Coastal, secondary, historic, or wildfire-prone? We engineer wind/hurricane deductibles, impact/roof requirements, defensible-space credits, and coordinate flood (NFIP or excess). Expect white-glove claims, risk-prevention advice (water-shutoff, monitoring, security), and a clear side-by-side of options—so you choose with confidence.