High-end properties are more likely to be targeted by criminals looking for valuables they can steal and sell for cash. If you have a high-end home, luxury homeowners’ insurance is recommended to protect your property and belongings against theft, damage, and more.Muller Insurance, an independent insurance agency located in Hoboken, NJ, and licensed in over 20 states including NY, CT, and PA , can help you choose the right high-value homeowners’ insurance policy for your needs. Here, we explore how high-value homeowners’ insurance can help you protect your property.Why Is Luxury Homeowner’s Insurance Ideal for High-End Homes?If you own a high-end luxury home, you may also have valuables like jewelry, art, collectibles, electronics, and more. Thieves and criminals who are looking to steal expensive items that they can sell often target luxury homes knowing that they will likely find high-value belongings.Investing in a high-value homeowners’ insurance policy can protect you from financial loss if these items are stolen. These policies offer additional coverage and higher coverage limits to make them more suitable for high-end homes. Some high-value homeowners’ insurance policies offer up to $50,000 for lost or stolen jewelry, while others allow you to increase coverage limits accordingly. Working with an experienced insurance agent can help you get the proper coverage you need to protect your luxury property and valuable belongings.Why Doesn’t Standard Homeowners’ Insurance Protect Luxury Homeowners Against Theft?Although standard homeowners’ policies offer protection from theft of jewelry and other valuables, there are often limits that aren’t suitable for luxury homeowners. Most cap out at $1,500, which won’t cover large collections or extremely expensive pieces. This is why high-value homeowners’ insurance is recommended for luxury homeowners.Luxury Homeowners’ Insurance Policies Through Muller InsuranceMake sure you get the right luxury homeowners’ insurance policy by working with Muller Insurance. We have been in business for more than 100 years, developing a strong reputation with both clients and insurance companies. We are licensed in more than 20 states and represent more than 25 leading insurance companies, so our clients around the country have access to a wide selection of policies. Companies we work with that offer high-value homeowners’ insurance policies include:Chubb InsuranceChubb Insurance offers clients with valuable assets the Chubb’s Masterpiece Homeowners insurance policy. This comprehensive policy provides higher coverage limits to help protect your valuable and special possessions. It is an all-risk coverage policy, which means it covers all losses except those specifically excluded in the policy. It also offers perks and coverage that aren’t included in traditional policies, such as:Cash out optionsBroad personal liability limitsWater backup protectionExtended replacement costTraveler’s InsuranceTraveler’s Insurance provides high-end clients with a high-value homeowners’ policy that offers broader coverage and higher limits than a traditional homeowners’ policy. It is also an all-risks policy. Most personal property has full replacement cost coverage, with no deduction for depreciation. This policy is also adjusted for inflation at the beginning of each renewal policy term to reflect increases in the cost of rebuilding, making sure you get the amount you deserve when you file a claim.Choosing to work with an independent insurance agent like Muller Insurance allows you to access vast policy options that can meet specific needs. We don’t believe in “one size fits all” insurance because we know every client’s needs are different. We develop relationships with clients to find the most suitable coverage options that are within their budgets. We can even frequently find bundling opportunities to save them money.Explore Luxury Homeowners’ Insurance Policies Through Muller InsuranceIf you’re ready to protect your high-value belongings and luxury property against threats like theft, pursue luxury homeowners’ insurance through Muller Insurance. We have built a strong reputation serving clients in New Jersey, New York, Connecticut, Pennsylvania, and other states, and they rely on us to find them the best policies. For more information on our high-value homeowners’ insurance options, get a quote or contact us today.