High Value Homes


We offer insurance programs specifically designed for high value homes.

High value homes are generally categorized as those with a value in excess of $750,000.  For homes with this kind of value, sometimes standard homeowners insurance is not the ideal fit and does not recognize the unique coverage needs of high value homeowners.  That is why it is important to work with an agency that specializes in this type of coverage.

In addition to standard homeowners insurance coverage, we are able to offer our high value homeowner clients additional coverage including:

  • Property Insurance - Guaranteed dwelling replacement cost coverage, unlimited building code coverage, as well as “all risk” coverage.
  • Contents - All risk and replacement cost coverage.
  • Valuable Articles - For collectables including art, computers, jewelry, furs, silverware, guns and more.
  • Loss of Use - Unlimited loss of use coverage.
  • Personal Liability - Libel and slander coverage, credit card coverage, $10,000 in medical payments.
  • Identity Theft Insurance - Many of our insurance policies now include coverage for losses due to identity theft.



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Insurance Products:

  • Are not FDIC Insured
  • Are not Bank Guaranteed
  • May Lose Value

Are not deposits or other obligations of Berkshire Bank (the "bank") or any bank affiliate; Are not guaranteed, issued or underwritten by the FDIC, the bank or any bank affiliate; Are not insured by any agency of the US, the bank or any bank affiliate; Are not a condition to the provision or term of any banking service or activity; Need not be negotiated or purchased through any particular person as a condition of any financial transaction or service; May be purchased from any agent or company and the customer's choice will not affect current or future credit decisions; and Involve an investment risk, including possible loss of principal or loss of value. The market value of the investment may fluctuate, causing possible loss of principal amount invested.


Insurance is offered through Berkshire Insurance Group, Inc. Berkshire Insurance Group, Inc. is a licensed insurance agency and non bank affiliate of Berkshire Bank and is not a chartered bank or trust company, or depository institution. Berkshire Insurance Group, Inc. is not authorized to accept deposits or trust accounts and is not licensed or regulated by any state or federal banking authority.


Berkshire Insurance Group, Inc. is neither a tax nor legal advisor. We suggest you consult with your personal tax and/or legal advisor before making any tax-related or legal decisions. You should consider an annuity's risks, charges, and expenses carefully before investing. Annuity withdrawals made prior to age 59 1/2 may result in an IRS penalty. Consult with your tax advisor.


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