High Value Homes Insurance for Pennsylvania Homes $1M+
Refined coverage for distinctive residences — rebuild-focused dwelling limits, scheduled valuables, umbrella, and concierge-style service from a local independent agent.
Built for homes where a standard policy isn’t enough.
When rebuild cost reaches about $1 million and above, high-value programs can better match construction quality, contents, collections, and liability — with a dedicated advisor who knows your account.
Coverage designed for distinctive Pennsylvania homes
From estate rebuild limits and scheduled collections to personal umbrella — structured around how you live.
Rebuild vs Market Value
Market price is what a buyer might pay. Rebuild cost is what it takes to reconstruct the home with like materials and quality. High-value programs are built around rebuild cost — often $1M+ — so the dwelling limit matches how the home is actually built.
Extended Dwelling Coverage
Many high-value policies include extended dwelling or rebuild-related limits above Coverage A, so a complex rebuild is less likely to outrun the policy. Available options vary by carrier — we’ll match the structure to your home.
Cash Settlement Option
Some high-value forms offer a cash settlement option on the dwelling after a total loss, giving flexibility instead of a forced rebuild-only path. Ask us which carriers offer this for your property.
High Contents Limits
Upscale homes often need contents limits well above standard homeowners packages — furnishings, electronics, and everyday personal property scaled to how you live.
Scheduled Valuables
Jewelry, watches, fine art, antiques, collectibles, wine, silver, furs, and firearms can be scheduled with appropriate limits and valuation — not left under a low unscheduled blanket.
Personal Umbrella
Excess liability above home and auto — commonly $1M to $10M+ — for additional protection as assets and exposure grow.
Multiple Homes
Secondary, vacation, and seasonal residences can be structured on the same high-value relationship so coverage and service stay coordinated.
Collector & Luxury Autos
We can quote collector, exotic, and luxury vehicles alongside the home account when you want one advisor for the household.
Water Backup
Sump pump failure and water backup from sewers/drains is a frequent high-value claim driver — we review available limits for your foundation and systems.
Identity / Cyber
Many high-value packages include or offer identity fraud and cyber-related expense coverage — useful when financial and personal data exposure is high.
Concierge Local Service
A dedicated Harrisburg agent who knows your account — not a call-center rotation. Since 1987, with a brick-and-mortar office at 44 Oak Park Rd.
Rebuild cost comes first
We help estimate an appropriate dwelling limit based on rebuild cost — the cost to reconstruct — rather than relying on market or tax assessments alone. Extended dwelling options from high-value carriers can add flexibility when a rebuild is complex.
Why high-value clients choose LWG
Looker, Wolfe & Gephart has advised Pennsylvania families since 1987 from our office at 44 Oak Park Rd, Harrisburg. Concierge-style service — we don’t sell your information.
- We shop 10+ carriers. Independent access to high-value and specialty homeowners markets — not a single captive company.
- Pennsylvania only. We write exclusively in PA, with local knowledge of communities, builders, and underwriting.
- Local brick-and-mortar. Real people at 44 Oak Park Rd, Harrisburg — we don’t sell your information.
- Call or text anytime. 717-657-9944, Monday–Friday 8–5. Same advisors every time.
- Built for $1M+ rebuilds. Programs designed for higher rebuild costs, scheduled valuables, and umbrella — not a stretched standard HO-3.
- Whole-household view. Home, valuables, umbrella, and luxury autos coordinated when you want one relationship.
What clients say
Real feedback from people who work with our Harrisburg team.
“Fantastic service! The team is friendly, responsive, and truly committed to finding the best coverage at the best price. They made the whole process simple and stress-free. Highly recommend!”
“Quick responses and clear concise answers to my questions. Couldn't have had a better experience!! Definitely recommending services to my fam and friend”
“Dan was able to reduce my car insurance in half when taking the time to find the best policy for me! Was so nice to talk to one person at an agency rather than be passed around.”
High Value Homes FAQ
What makes a home “high value” for insurance?
Carriers generally look at rebuild cost (Coverage A), not just sale price. Homes with rebuild costs around $1 million and above often qualify for high-value or specialty homeowners programs with broader dwelling options, higher contents, and better valuables handling than a standard policy.
Why is rebuild cost different from market value?
Market value reflects land, location, and what a buyer will pay. Rebuild cost reflects labor, materials, architectural detail, and code upgrades to reconstruct the structure. A high-value policy should be set to rebuild cost so a loss doesn’t leave you short.
Can jewelry, art, and collections be scheduled?
Yes. Jewelry, watches, fine art, antiques, collectibles, wine, silver, furs, firearms, and similar items are commonly scheduled. Appraisals help; tell us category totals on the form and we’ll refine the schedule.
Should I add a personal umbrella?
Many high-value homeowners carry $1M–$10M+ in personal umbrella / excess liability above home and auto. If you’re interested, select a target limit on the quote form and we’ll include it.
We have a second home — can you insure both?
Yes. Secondary, vacation, and seasonal homes can often be placed in the same high-value relationship. List other addresses on the form so we structure the account correctly.
What about water backup and older systems?
Water backup / sump overflow and aging plumbing or roofs are common underwriting topics. Leak detection, auto shutoffs, and updates help. Share protection systems and update years on the form.
How is LWG different from a national call center?
We’re a local independent agency in Harrisburg since 1987 at 44 Oak Park Rd. We compare 10+ carriers, keep your information for quoting — we don’t sell your lead — and write Pennsylvania only. Call or text 717-657-9944.
Request your High Value Homes quote
A thoughtful set of questions — property, protections, other homes, valuables, and umbrella. Estimates are welcome; we’ll refine the details with you.
Please Note: We offer insurance coverage in Pennsylvania only. The form below is for Pennsylvania high-value homeowners.