Offering specialized coverage for your high-value home.

Insurance protection for your home, contents, valuables and assets

High-value homes require insurance protection that goes beyond what standard homeowners policies can provide. From the high cost of materials for reconstruction to replacement costs for appliances and other furnishings, luxury homes need limits that will respond in the event of a loss. In addition, collectibles, fine art, jewelry and other valuables require coverage to step in and properly replace these items in the event of a damage or loss. Liability exposures are greater for high net worth individuals who have significant assets at stake that can be tapped without the right coverage.

BTC Insurance Services, LLC specializes in insuring high-value homes, partnering with leading carriers in this niche market that provide custom coverage, risk management services and best-in-class claims service.

Our Homeowners Insurance Solutions

Our high-value homeowners insurance programs are designed for those who have more to protect. A program can be designed to include the following features:

High dwelling limits that go beyond standard homeowners policies
Guaranteed replacement cost coverage to rebuild the home with like kind and quality materials, even when the actual cost to do so exceeds your coverage limits
Cash settlement option, up to the limits of your policy to rebuild elsewhere if you choose — or to use the funds as you see fit
Full replacement cost coverage for personal property without deductions for depreciation
Unlimited additional living expenses while repairs are being made after a loss
Ordinance and law coverage to pay for additional costs associated with rebuilding when local ordinances or new building codes add to the cost of rebuilding your home after a covered claim
Drain backup coverage, which is typically not covered
Extended jewelry protection if lost, stolen, or misplaced
Identify theft coverage
High liability limits along with excess liability insurance to respond to today’s litigation environment and nuclear verdicts

Our staff is ready to meet with you to discuss your specific needs and put together a plan that fits your risk profile.

Serving: Utah Based

Licensed to conduct Business in following States

About BTC Insurance

For more than a decade, BTC Insurance has been committed to serving the insurance needs of the Utah community. Our approach is not only to provide you with insurance products that fit your exposures but to also help you put into place loss control and safety measures to mitigate and minimize losses. This takes experience and expertise – exactly what you will find with BTC Insurance.