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Homeowners Insurance Solutions  

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Your home deserves protection that reflects your lifestyle, assets, and expectations. Whether you own a primary residence, rent an apartment, or have a vacation home, your insurance should evolve with your investments. From suburban homes to city apartments, coastal retreats to mountain homes, Brown & Brown designs customized coverage to help protect what makes your properties unique.

Specialized Home Insurance Solutions for High-Value Properties

For high-value homes and homes in risk-prone locations, Brown & Brown works with specialty carriers, including the excess and surplus market, helping make sure your protection aligns with what matters most to you. Coverage options are designed for the way you live, offering flexibility for unique properties and complex lifestyles.

Brown & Brown’s specialists collaborate with you to assess exposures common to high-value homes, including:

  • Multiple homes, including secondary, rental, or seasonal residences
  • Distinct architectural features, rare materials, or extensive landscaping
  • Properties located in regions prone to wildfires, flooding, or severe weather
  • International residences and properties
  • Domestic staff and household employment liability
  • Other structures on your properties

Available specialty coverages may include:

  • Extended or guaranteed replacement cost coverage
  • Full-value contents replacement (without depreciation)
  • Coverage for homes and property located outside the U.S.
  • Worldwide coverage for valuables while traveling
  • Deductible waivers for qualifying covered losses
  • Additional living expense coverage if your home becomes uninhabitable
  • Identity theft and cyber protection
  • Flood and excess flood coverage
  • Windstorm and hurricane protection
  • Sewer and water backup coverage
  • Landscaping and property feature coverage
  • Higher personal property limits for valuable collections
  • Coverage for renters, secondary, seasonal or vacant homes
  • Separate fine art and collections coverage through Brown & Brown’s Fine Art team
  • Coverage for yachts, aviation interests and equine exposures through Brown & Brown’s niche specialty teams

Risk Mitigation & Loss Prevention for Homeowners

Homes of all types require proactive protection. Brown & Brown provides mitigation guidance to help you identify vulnerabilities before they lead to loss. In addition to advice, you receive actionable resources to help strengthen your property and reduce exposure to environmental, weather-related, and emerging risks.

A well-prepared home is more resilient. Brown & Brown stays closely connected throughout the year, offering practical insights, seasonal checklists, and educational resources designed to help you protect your property and lifestyle. This ongoing guidance draws from real-world experience and evolving industry analysis to help you prepare, prevent, and recover with confidence.

We remain committed to helping you avoid problems before they start, offering proactive solutions that enhance safety and resilience across your properties.  Together, we help you manage and mitigate risks such as:

  • Extreme weather, climate, and temperature shifts
  • Hurricanes, floods, wildfires, and other natural disasters
  • Interior water leaks and damage
  • Evolving cyber risks
  • Burglary and security concerns
  • Routine maintenance to help prevent accidents

Building Confidence and Protection for What’s Ahead

Your home represents more than a financial investment—it’s where your life unfolds. Brown & Brown helps you stay ready for what’s ahead by tailoring coverage to fit your priorities and protect your legacy. You gain the confidence that comes with knowing your home, possessions and lifestyle are protected today and positioned for tomorrow.

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Connect With Brown & Brown

Schedule a consultation with our Brown & Brown Private Client specialists to explore tailored homeowners' coverage for your properties. Learn how Brown & Brown can help protect your residences, collections, and lifestyle through personalized insurance and proactive risk management strategies.

Connect with Our Team