High-value home insurance in Scottsdale & Paradise Valley.
Most Arizona homes are 18–30% underinsured on replacement cost — and for a high-value home that gap is a six-figure exposure in a total loss. We re-rate your true rebuild cost first, then place the coverage with carriers built for luxury property.
Claim My Coverage AuditStandard policies cap, penalize, and settle short. High-value carriers don't.
Extended / guaranteed replacement cost
Rebuilds to what the home actually costs today, not a capped estimate from years ago.
Cash-settlement option
Take the limit without being forced to rebuild — a choice standard policies rarely offer.
Worldwide contents & no coinsurance penalty
Full protection on furnishings and belongings, without the penalties that quietly reduce standard payouts.
Water-backup and higher liability
The coverages custom homes need, sized to the property rather than a template.
Placed through Chubb, AIG Private Client, Vault, and other AAA-rated markets we shop for you. Serving Paradise Valley, Silverleaf, DC Ranch, Grayhawk, Troon, and North Scottsdale.
How much should my high-value home be insured for?
On replacement (rebuild) cost, not market value. In Arizona that figure is often 18–30% higher than what current policies show, which is where most underinsurance hides. We re-rate it first.
What is cash settlement on a home policy?
Some high-value carriers will pay the insured limit without forcing you to rebuild — valuable for custom homes where an owner may choose to sell the lot or rebuild elsewhere.
Do you cover custom and luxury builds?
Yes — custom, luxury, multi-property, and trust-owned homes are the core of high-value home insurance, placed with carriers built for that risk.
Which carriers write high-value homes in Scottsdale?
Chubb, AIG Private Client, and Vault, among the 30+ carriers we represent. The right one depends on your home, location, and contents.
Is your rebuild number right?
Our free Coverage Audit pressure-tests your replacement cost line by line and shows you where the gap is.