David King Insurance
Competitive Price, Trusted Advice
High Value Home Insurance
in Texas
Experience easy access to affordable, high-quality insurance at David King Insurance.
Proudly Serving Texas, Oklahoma, Arkansas, New Mexico, Colorado, Connecticut, Iowa, & Washington.
Protecting your luxury home in Texas takes more than a standard homeowners policy. At David King Insurance, we help you explore your options for High-value Home Insurance designed to fit the unique needs of affluent homeowners across the state. Whether you live in Austin, Dallas, Houston, San Antonio, or a quiet Hill Country estate, our agency can help you understand your coverage options.
What Is High Value Home Insurance?
High-value home insurance is a specialized form of homeowners insurance intended for properties that exceed standard home values. While traditional policies are designed for average homes, high-value policies may offer broader protection and more flexible options. These policies may also be better suited for homes with custom architecture, high-end materials, rare art collections, or advanced home automation systems.
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"Exceptional Service with a Personal Touch"
"Unlike some insurance agencies where responsiveness seems to be, at least, secondary, Ms. Caperna is always available. The level of attention to requests, caring and professionalism has always been 5 Star and above! Always with a smile making you feel "at home"!
– Sharon Dundon
"Stress Free Insurance with a Caring Team"
"Beverly and everyone in the office is amazing! I highly recommend coming here for your insurance needs. They take the stress and hassle out of shopping for quotes and make you feel taken care of through the entire process whether it’s claims or quotes etc"
– Jacob Brown
"A Switch Worth Making!"
"After being with another very large insurance provider for over 25 years, I made the move to David King Insurance Services. My agent, Brady King, has been instrumental in finding the best insurance rates and policies since I switched. His level of customer service is truly unsurpassed. Thanks Brady!."
– Aly Lehmann
"15 Years of Exceptional Insurance Guidance and Service"
"I have received great advice, attention, and service from Beverly at David King Insurance for over 15 years. Their recommendations for our car and home insurance have been spot-on for our needs—from moving to a new city to college auto coverage in other states. I highly recommend their services."
– Sheryl Campbell
Who Needs High Value Homeowners Insurance?
If your Texas home is valued above the limits of standard insurance policies, you may want to consider high-value homeowners insurance. This typically applies to properties valued at $750,000 or more, but the threshold can vary depending on the insurer. Homeowners with luxury finishes, unique designs, or valuable belongings often benefit from this type of specialized coverage.
Luxury homeowners also tend to have unique liability and lifestyle risks that may not be adequately addressed by basic insurance. High-value policies may allow you to explore higher limits and tailored endorsements that match your home and personal needs.
How Does High Value Home Insurance Differ From Standard Policies?
High-value homeowners insurance often includes features and options that go beyond a standard homeowners policy. These may include increased dwelling limits, broader personal property protection, and access to risk management services. In many cases, you may also be able to insure items like fine art, jewelry, collectibles, or wine collections under more favorable terms.
Some insurers offer additional services through high-value policies, such as home inspections, security consultations, or personal advisors who help evaluate and protect your assets. These extras may offer additional peace of mind for luxury homeowners in Texas.
Why Is Texas a Unique Market for High-Value Home Insurance?
Texas presents a distinct landscape when it comes to insuring high-value homes. From unpredictable weather patterns and severe storms to large acreage properties and coastal exposure, there are many factors that can influence your coverage needs.
In areas like the Texas Gulf Coast, policies may need to account for windstorm or flood risk. In metropolitan areas, replacement costs can rise quickly due to demand and labor shortages. At David King Insurance, we understand the local environment and can help you explore options that are appropriate for your property’s size, location, and construction type.
What Types of Properties May Qualify for High-Value Homeowners Insurance?
Many types of Texas properties may qualify for high-value coverage. This could include:
Custom-built homes with premium materials
Historic residences with unique craftsmanship
Waterfront estates
Ranches and large-acreage homes
Homes with smart technology or integrated security systems
Residences with luxury amenities such as wine cellars, theaters, or guest quarters
If you are unsure whether your home qualifies, our team at David King Insurance can help assess your property and connect you with appropriate carrier options.
What Are Common Features Offered With High-Value Home Policies?
While policy features can vary by insurer, high-value home insurance may include options such as:
Extended or guaranteed replacement cost coverage
Higher sub-limits for jewelry, art, and collectibles
Cash settlement options
Identity theft support
Equipment breakdown coverage
Personal liability with increased limits
Water backup or sewer line protection
Coverage for landscaping, pools, and outdoor structures
Our agency works with respected carriers that offer flexible policy structures. We take the time to learn about your property and lifestyle to help you explore the options that make the most sense.
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How Can David King Insurance Help You?
David King Insurance is a Texas-based agency with experience working with homeowners who need more than a one-size-fits-all solution. We focus on relationships, not transactions, and take the time to understand the unique aspects of your home and lifestyle.
We can help:
Review your current policy and identify any potential coverage gaps
Recommend high-value insurance carriers and options tailored to your situation
Explain limits, endorsements, and available enhancements in plain language
Assist with applications, inspections, and renewals
Coordinate coverage for secondary homes, vacation properties, or investment real estate
Whether you are building a new luxury home or reassessing your current coverage, we can provide guidance every step of the way.
What Should You Consider When Shopping for High-Value Home Insurance?
When looking into high-value homeowners insurance in Texas, consider the following:
Replacement Cost vs. Market Value: Ensure your home is insured based on the cost to rebuild, not just its market price.
Coverage Limits: Check if your valuables and furnishings are adequately protected under current sub-limits.
Liability Protection: Higher-value homes often require increased liability protection.
Loss Prevention Services: Some insurers offer services to help mitigate risk and protect your investment.
Underwriting Requirements: High-value policies may require appraisals, inspections, or additional documentation.
Our team can walk you through these factors so you can make an informed decision about your coverage.
Is It Time to Review Your Coverage?
If your property has increased in value, undergone renovations, or if you’ve acquired new valuable assets, it may be time to evaluate your homeowners policy. A high-value policy can help ensure your home and belongings are insured in a way that matches your lifestyle and expectations.
Even if you’re not sure whether your home qualifies, it’s worth having a conversation. At David King Insurance, we’re here to help Texas homeowners explore coverage options that work for them, not just today, but for the long term.
Contact us at David King Insurance today to schedule a consultation or request a policy review. We’ll help you explore tailored coverage options so you can feel more confident about protecting what matters most.
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Company: 549 E Sandy Lake Rd #100, Coppell TX 75019
Phone: (972) 393-3311
Email: [email protected]
