A median owner-occupied value of $789,800, the highest of any city we write for and three times Tucson's. At that level the default limits on a standard policy stop being a reasonable starting point.
High-value homes are frequently written on the wrong form entirely. The question is not the premium, it is whether the policy can actually rebuild the house.
Three things we check on every Scottsdale quote, because each one decides what a claim pays rather than whether you have one.
Above a certain value, mainstream homeowners products stop fitting: custom finishes, specialty construction and long rebuild timelines are not what they were priced for. High-value carriers exist for exactly this and they underwrite differently, often with cash settlement options and no coinsurance penalty. Being on the wrong form is the real risk, not the rate.
Liability exposure scales with what a claimant believes is reachable. At this value, a standard liability limit is a rounding error against a serious injury judgment, and an umbrella is the layer that makes the difference. It is usually a small fraction of the underlying premiums.
Sub-limits on a standard form are measured in thousands regardless of the overall coverage. Scheduling each item with an appraisal removes the cap, usually removes the deductible, and is the only way the policy reflects what is actually in the house.
Across 118,637 households, the highest household count relative to population of any city on this list.
The highest of any city we write for, three times Tucson's, and above where mainstream homeowners products are designed to sit.
Two thirds own, and at this value the liability limit deserves as much attention as the dwelling limit.
Written for Arizona, quoted for your address in Scottsdale.
Read moreWritten for Arizona, quoted for your address in Scottsdale.
Read moreWritten for Arizona, quoted for your address in Scottsdale.
Read moreWritten for Arizona, quoted for your address in Scottsdale.
Read moreWritten for Arizona, quoted for your address in Scottsdale.
Read moreSend the address and tell us about anything scheduled: art, jewelry, collections. Those sit outside the normal limits.
We check whether a standard form fits the house before pricing it.
Request a quoteCall and we will tell you plainly whether your house belongs on a standard form or a high-value one.
