🏡 High Value Home Insurance in North Texas: What You Need to Know

If you own a luxury property in North Texas, you’ve likely noticed that high value home insurance options have become harder to find in recent years. Many national carriers have pulled back from the high-value home market, leaving homeowners with fewer choices—and in some cases, even non-renewals.

At Mauceri Bynum Insurance, we understand the stress this can cause. That’s why we partner with top-rated carriers like Travelers, Hartford, Safeco, National General, and Chubb to ensure our clients have access to comprehensive protection for their most valuable assets.

🔍 What Qualifies as a High Value Home?

Typically, a home with a replacement cost over $1 million is considered a high value property. These homes require more specialized coverage because of their:

• Custom architecture and design 🏠
• Premium materials and finishes 🪵
• High-end appliances and smart home systems 💡
• Larger square footage and unique features (wine cellars, pools, outdoor kitchens) 🍷
  

Traditional homeowners insurance often doesn’t provide the depth of coverage these homes need.

💡 Carrier Options for High Value Homes

Here’s how some of our trusted partners protect North Texas luxury homes:

Travelers & Hartford → Coverage up to $1.5 million 

Safeco & National General → Coverage up to $2 million  

Chubb → Specializes in homes over $2 million 

These carriers bring not just coverage but also experience with high value properties, ensuring you don’t face gaps in protection.

📈 Luxury Home Market Growth in DFW

The demand for luxury properties is only increasing. In fact, the volume of luxury home sales in the DFW metro area grew by 14% from 2023 to 2024.

That rapid growth means more homeowners are entering the high-value insurance market, often for the first time. With so many carriers stepping away from this space, it’s more important than ever to work with an agency that has exclusive access to the right markets.

⚠️ Why Options Have Shrunk in North Texas

Over the last 2 years, North Texas has faced:

• Severe hailstorms 🌩️
• Rising construction costs 🧱
• Increased claims frequency
  

Because of this, many insurance companies have stopped writing high value homes in our region. That makes having access to carriers like Chubb, Travelers, Hartford, Safeco, and National General even more valuable.

✅ Why Work With Mauceri Bynum Insurance?

As an independent agency, we can shop multiple carriers to find the best fit for your home’s value and your budget. We know the high-value home market is tight and competitive, but we have exclusive access to carriers who are still writing policies in North Texas.

👉 Click here to request your High Value Home Insurance quote.

Don’t wait until renewal—let’s explore your options today.

🏆 Local Expertise, National Carriers

Mauceri Bynum Insurance has been proudly voted Best of McKinney for the past 11 years in a row!

 📍 Located in the heart of McKinney’s Historic Downtown Square:
 301 E Virginia Street, Suite 201, McKinney, TX 75069

 📞 Stop by, call us, or start your quote online today—we’re here to protect what matters most. 

(214) 733-8400 

www.minsuranceagent.com