Homeowners with high-risk properties—whether due to location, construction type, or claims history—often struggle to find affordable coverage. In 2025, several insurance providers have stepped up to offer specialized policies for these challenging situations.
1. Farmers Insurance — Offers comprehensive high-risk coverage with flexible payment options. Their “High-Value Home” program provides enhanced protection for properties exceeding $1 million in value, including coverage for fine arts, jewelry, and collectibles.
2. Chubb — Specializes in luxury and high-value homes with guaranteed replacement cost coverage. Chubb’s Masterpiece policy includes unique features like extended replacement cost (up to 125% of dwelling limits) and coverage for green rebuilding costs.
3. Nationwide — Their “High-Value Property” product offers customizable coverage for homes with unique construction materials, historical significance, or located in wildfire-prone areas. Nationwide also provides loss prevention resources and risk assessment services.
4. AIG — Known for their Private Client Group, AIG offers tailored coverage for ultra-high-net-worth individuals. Their policies include global coverage, cyber protection, and dedicated claims advocates for complex situations.
5. Berkshire Hathaway Guard — Offers competitive rates for properties that other insurers decline, including older homes, those with certain roof types, and properties with swimming pools or exotic animals. Their underwriting process is more flexible than most competitors.
When shopping for high-risk coverage, work with an independent agent who has access to multiple carriers. They can help identify which providers are most likely to accept your specific risk profile and negotiate better terms on your behalf.