New York High Value and
Luxury Home Insurance

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Owning a luxury home in New York comes with unique challenges and risks. At Sound Harbor Insurance, we specialize in providing tailored insurance solutions for high-value properties across Long Island, Manhattan, Brooklyn, and beyond. Our comprehensive policies protect property damage, liability, and more, ensuring peace of mind for discerning homeowners.

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Auto & Classic Auto

Superior coverage for even the highest end vehicles

Primary Homes

Protect your luxury home with high-value homeowners insurance. 

Secondary Homes

Protection for secondary and vacation homes

Umbrella Coverage

Maximum coverage that overlays everything else

Jewelry & Collectibles

Extended coverage for jewelry and other collectibles


Incredible coverage for boats, yachts, and other watercrafts

High-Value Home Insurance for Nassau & Suffolk County

Homes in Oyster Bay Cove, Sands Point, Kings Point, and other prestigious areas of Nassau County require unique insurance solutions. Standard policies may not offer sufficient coverage for luxury properties and high-value possessions. Similarly, upscale areas in Suffolk County, such as Lloyd Harbor, Head of the Harbor, Old Field, and the Hamptons on Long Island’s East End, need tailored insurance protection. A high-value home insurance package ensures your primary and vacation residences are protected against a range of risks, including natural disasters, hurricanes, fires, storms, floods, and storm surges.

Suffolk County home

Coverage Options for New York Homeowners

A high-value homeowners insurance policy enhances the basic coverage of a standard policy to meet the unique needs of luxury homeowners. This specialized policy ensures that your home can be repaired or rebuilt to its original condition after a covered claim. Key differences include higher limits for personal liability and more comprehensive coverage for personal belongings, with options to cover rebuilding costs that exceed your home’s insured value.

Additionally, many high-value insurance policies offer cash settlement options for covered claims, allowing you the flexibility to rebuild at your discretion. This level of customization and flexibility is not typically available with standard homeowners insurance policies from mainstream insurers.

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High-Value Home Insurance FAQs: Your Guide to Protecting Luxury Properties

Q: What makes high-value homeowners insurance different from standard policies? A: High-value homeowners insurance provides specialized coverage tailored to the unique needs of luxury properties. It offers higher limits for personal liability and comprehensive protection for valuable belongings, ensuring your high-value home receives the best coverage.

Q: What types of properties qualify for high-value homeowners insurance? A: High-value homeowners insurance is designed for luxury properties, including upscale homes, estates, and vacation residences. These policies suit properties with higher-than-average values and unique features requiring specialized coverage.

Q: How does high-value homeowners insurance protect my investment? A: High-value homeowners insurance safeguards your investment by providing coverage for property damage, liability, and personal belongings. In the event of a covered claim, your home will be repaired or rebuilt to its original condition, ensuring your investment is protected against unexpected risks.

Q: Are any additional benefits or features included in high-value homeowners insurance policies? A: Yes, high-value homeowners insurance policies often include additional benefits such as concierge services, risk management consultations, and flexible cash settlement options. These features provide added convenience and peace of mind for homeowners with high-value properties.

Q: How can I determine the appropriate coverage limits for my high-value home? A: It is essential to work closely with your insurance agent to determine the appropriate coverage limits for your high-value home. Property value, unique features, and location will influence the coverage needed to protect your investment adequately.

Q: Can I customize my high-value homeowner's insurance policy to meet my needs? A: High-value homeowners insurance policies are highly customizable to meet your unique needs and preferences. You can tailor your coverage options, deductibles, and additional features to create a policy that aligns with your lifestyle and budget.

Q: How can I get a quote for high-value homeowners insurance? A: It's easy. Contact our experienced insurance agents, who will assess your needs and provide a personalized quote tailored to your high-value property.

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