Oceanfront, marsh-front and Intracoastal homes on Amelia Island often cost far more to rebuild than a standard homeowners policy is designed for. Higher values, custom finishes and hurricane exposure call for coverage written with those risks in mind.
Southend Insurance reviews your home's rebuild cost, its wind and flood exposure and what's inside it, then compares options so your coverage matches the home.
What high-value home insurance can cover
- Dwelling limits based on true rebuild cost
- Extended or guaranteed replacement cost, where available
- Custom finishes, millwork and high-end materials
- Jewelry, art, watches and collectibles at appraised value
- Higher personal liability limits
- Living expenses if you can't stay in the home
Wind and hurricane coverage
Florida homeowners policies carry a separate hurricane deductible, usually a percentage of your dwelling limit such as 2%, 5% or 10%. On a $1.5 million home, a 5% hurricane deductible is $75,000. We'll show you the deductible options side by side so you can weigh premium against out-of-pocket risk.
A wind mitigation inspection can lower your premium by documenting your roof, roof-to-wall connections and opening protection.
Flood coverage for coastal homes
Homeowners policies don't cover flood. National Flood Insurance Program (NFIP) policies top out at $250,000 for the building and $100,000 for contents, which is often well short of a coastal home's value. Private flood and excess flood policies can cover above those limits. See our flood insurance page.
Protect what you've built
Higher-value homes come with higher liability exposure: pools, docks, guests, household staff and contractors. A personal umbrella policy adds liability protection above your home and auto policies.
Good to know in Florida: Citizens Property Insurance has coverage limits and eligibility rules that many high-value homes don't fit, so a private carrier is often the better match. Ask us to compare.
High-Value Home Insurance FAQs
What counts as a high-value home?
There's no single cutoff. Many carriers offer coverage built for higher-value homes once rebuild cost reaches roughly $750,000 to $1 million, but it varies by company.
Should I insure my home for its market value?
No. Insure for what it would cost to rebuild the home, not its sale price. Land value isn't part of the rebuild cost, and custom construction can cost more to replace than the market suggests.
Does my homeowners policy cover flood?
No. Flood needs its own policy. Coastal homes often need private or excess flood coverage above the NFIP limits of $250,000 for the building and $100,000 for contents.
How can I lower my premium?
A wind mitigation inspection, a newer roof, storm shutters or impact windows, a higher hurricane deductible, monitored alarms and bundling home and auto can all help.