You’ve Built Your Dream Home—But Is It Actually Protected?

If you’ve invested time, money, and heart into a luxury or custom-built home, the last thing you want is a standard insurance policy that treats it like a cookie-cutter build.

Yet this happens more often than you might think—and the financial and emotional consequences can be devastating.

At Concierge Insurance Group, we work with high-value homeowners every day who believe they’re covered, only to discover dangerous gaps in their policies during claims. In this article, we’ll walk you through 10 critical—but commonly missed—coverage gaps and show you exactly how to ensure your home is protected the way it was built: with care.

10 Critical Home Insurance Gaps Most Luxury Homeowners Miss

1. Do You Know Your Home’s Replacement Cost Per Square Foot?

Many homeowners confuse market value with replacement cost—but they’re not the same.

Custom materials, specialty craftsmanship, and unique architectural details drive rebuild costs higher than average estimates.

Tip: Replacement cost should be reviewed and updated every 1–2 years.

2. Are Your Cabinets, Countertops, and Flooring Covered as High-End?

Unless specifically listed as high-end finishes, your policy may default to builder-grade replacement levels—often covering only 40% or less of actual value.

3. Do You Have a Personal Property Inventory?

Valuable items like jewelry, art, and electronics are often subject to category limits as low as $1,000–$2,500.

4. Are Your Smart Systems Fully Insured?

Smart homes need smart coverage. Advanced home automation, surveillance, and audio-visual systems aren’t always included in standard policies.

5. Do You Have a Liability Umbrella Policy?

Luxury living often increases liability risk—especially with pools, staff, teen drivers, or frequent guests.

6. Have You Reviewed Your Policy Since Remodeling?

Renovations and additions increase your home’s replacement cost. If your policy hasn’t been updated since your remodel, you could be underinsured.

7. Are All Your Properties Covered Under One Portfolio?

Managing multiple homes under separate policies can lead to duplicated coverage, missed gaps, and confusion during a claim.

8. Are You Covered for Regional Risks Like Floods and Hail?

Georgia weather is becoming more unpredictable. Most standard policies exclude flood and may limit hail or windstorm coverage.

9. Is Your Insurance Integrated with Your Estate Plan?

To truly protect your legacy, your insurance should align with your estate, tax, and wealth planning strategies.

10. Do You Know Who to Call When Disaster Strikes?

In your worst moment, you shouldn’t be calling a 1-800 number. You deserve personalized, responsive service from someone who knows your home and coverage.

What to Do if You Checked Two or More Boxes

If any of these gaps sound familiar, there’s a good chance you’re overpaying for coverage that still leaves you vulnerable.

That’s why we offer complimentary policy reviews tailored to your home, lifestyle, and legacy.

Don’t Wait Until a Claim to Discover You’re Underinsured

Insuring a luxury home shouldn’t feel like fitting a square peg into a round hole—but that’s what happens when custom homes are paired with standard policies.

Now that you know what’s often missed, you’re one step ahead. Let’s close the gaps before they become costly.

At Concierge Insurance Group, we make sure your home is protected with the same care and attention that went into building it.