Luxury, Landmark & Historical Homeowners Program
Not all insurance carriers, or their personal insurance policies, are created equal. They are not designed to be. Every insurance carrier designs their personal insurance policies for the types of risks they desire to insure. The “standard preferred” insurance carriers design their policies for the general public and the ordinary, common risk. They are not designed for luxury, landmark, historical properties or those of the more affluent.
The standard homeowner policies offered by most insurance carriers are designed to replace the typical home being built today. A common homeowners policy may be just fine for the average dwelling, but not when you have invested in a home with distinctive or custom features. A “standard preferred” policy is unacceptable for luxury, landmark and historical homes because these policies will rarely provide true replacement cost coverage on the home.
Far too many luxury, landmark and historical property owners make the mistake of insuring their properties with the same personal insurance carrier they have used for years, long before they purchased a landmark, historical or expensive luxury dwelling.
Horton Personal Insurance offers the following:
- 100% guaranteed replacement cost on your dwelling
- “All Peril” versus “Named Peril” contents protection
- Full contents limit for damage by the back-up of sewers
- Exclusively use only Original Manufacturer Equipment when repairing an auto
- Umbrella limits up to $100 million
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