The most valuable housing in Arizona, where ninety-five percent of homes are owner-occupied and the Census stops publishing a precise median because it exceeds the top of its scale.
The published median owner-occupied value is "$2,000,000+". That is a ceiling on the data, not a figure. The real median is higher and the Census does not say by how much.
Three things we check on every Paradise Valley quote, because each one decides what a claim pays rather than whether you have one.
Above a certain value, standard homeowners forms stop fitting: custom construction, specialist materials and long rebuild timelines are not what they were priced for. High-value carriers underwrite this differently, often with agreed value, cash settlement options and no coinsurance penalty. Being on the wrong instrument is the real exposure, not the rate.
Art, jewelry, wine and similar carry sub-limits measured in thousands no matter how large the policy. Each needs scheduling with an appraisal to be covered at agreed value, which also usually removes the deductible for those items.
Household staff, grounds, guests and pools all create exposure, and a claimant's expectations scale with the address. Excess liability at this level is measured in multiples of millions, and it remains a small fraction of the underlying premiums.
Across 5,149 households, the smallest household count of any place we write for and the largest average value.
Published as "$2,000,000+", which is the top of the Census scale rather than a measurement. The true median is above it and unstated.
Ninety-five percent own, the highest rate anywhere in our territory by a clear margin.
Written for Arizona, quoted for your address in Paradise Valley.
Read moreWritten for Arizona, quoted for your address in Paradise Valley.
Read moreWritten for Arizona, quoted for your address in Paradise Valley.
Read moreWritten for Arizona, quoted for your address in Paradise Valley.
Read moreWritten for Arizona, quoted for your address in Paradise Valley.
Read moreTell us about the construction, the grounds and anything scheduled. A standard form is unlikely to be the right instrument.
We establish whether a standard form can carry the house at all.
Request a quoteCall and we will tell you honestly whether this belongs with a high-value carrier rather than a mainstream one.
