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High-value home insurance is designed for houses, condos, and apartments that stand apart from other properties for their historical architecture, interior design, eco-friendly features, and/or overall value. If your home has a value of $1.M or more, you need high-value home insurance. Because we work with leading insurance providers (including several carriers who specialize in high-value estate components), we can craft a plan that covers your custom-built home, valuable contents, and other structures on the property.

high value home insurance
High-Value Home Insurance Features

When insuring a distinctive home, the limits of standard home insurance don’t necessarily apply. Recommended coverage features might include things like guaranteed replacement cost coverage after a major loss, a cash settlement option (to rebuild on another site after a total loss), specialty home systems coverage (e.g. for custom pools, theater equipment, elevators, etc.), “green” update coverage (to replace damaged components with earth-friendly alternatives), a large loss deductible waiver, and more.

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Other Home Insurance Considerations


When reviewing program options, it’s important to think holistically about your unique property and your family’s complete risk profile. The following coverages are worth discussing when insuring your home. Some can be added onto your high-value home insurance policy; others are separate policies we can explore in greater detail:

  • Flood Insurance
  • Sewer Backup & Drain Coverage
  • Loss of Use Coverage
  • Jewelry & Fine Arts Riders or Personal Property Insurance
  • Personal Excess Liability
  • Watercraft Insurance
  • Identity Theft Coverage
Choosing the Right Home Insurance Partner

At C&S we understand that insurance agencies are easy to find. But finding personalized, dedicated service (from knowledgeable experts) is much more difficult. Our team works to ensure we’re delivering more than just quotes and policies. We strive to deliver true partnership–including detailed advice and proactive recommendations–so you can fully understand your needs and make the best decisions for your household. We take pride in knowing our clients not just on a first-name basis, but on the level of personal hobbies, travel preferences, and major life events that affect insurance needs.


Let the team at C&S Insurance provide a complimentary evaluation of your current plan. Call us at 508.339.2951, or complete the quote request form on this page.

  • Valuable Property Insurance
    Whether it’s jewelry, art, or wine, we offer ample coverage, with flexible terms, for all your valuable possessions and collections.
  • Vacation Home Insurance
    Owning multiple homes creates specialized insurance needs. Ask our experts to review your properties and coverage plans.
  • Personal Excess Liability Insurance
    Protect the things you’ve worked so hard to build. Understand the different facets of personal excess liability.
  • Boat Insurance
    Protect your sailboat, powerboat or luxury yacht with watercraft insurance that works proactively to ensure smooth sailing.
HNW insurance
Meet Ben Cavallo, C&S Owner
Ben Cavallo, CIC, AAI, CISR
Ben and his family are Dedham residents and active community members. Ben serves on the Board for Horizons at Dedham Country Day School. His wife Angela is a Board Member at Three Squares New England, among her other nonprofit roles.
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Our Clients Say it Best

We own an antique farmhouse with many unique features and a barn on the property. Our account manager at C&S did the best job explaining coverage options and outlining how well different programs could address our needs… I would absolutely recommend C&S to anyone with a unique home.

Whitney & Gavin Fitts
Dedham, MA