High Value Home Insurance

From delicate climate controls to smart appliances, the value and complexity of your household assets are growing, and that can call for closer attention. Consider what would happen if a compressor in your air conditioning system stalled: not only will the compressor need to be replaced, but if a short in the wiring damaged the rest of the system, you could face a repair bill exceeding $50,000.

Advancing home-based technology brings new risks, but our Equipment Breakdown extension can respond to them. This coverage can activate when an accident physically damages or destroys any household equipment covered in your policy – you’re covered up to $50,000, but you can purchase more coverage if you need it.

Serious risks call for serious coverage. When the threat of atrocities like kidnapping, child abduction, stalking, home invasion, or hijacking keep you up at night, you need to know you’ll be supported in that worst-case scenario.

The Enhanced Household Protection coverage can come into play when a loss of life or disabling injury results from a range of violent threats, including those listed above. It provides up to $250,000 for each occurrence to any person covered in your policy, which can help to cover medical costs, salary lost, ransom demands, and a host of other related expenses. This coverage can be included in your Northbridge Insurance Onyx policy for an additional charge.

If your carefully curated wine collection is the crown jewel of your home, you’ll want to make sure it’s well protected. Theft and breakage are perennial threats, but so are humidity and temperature changes, vibration and light damage, and accidents during transit. You’ll want to cover all your bases to make sure your fine wine and spirits stay safe.

Our Wine and Spirits policy covers accidental breakage and spoilage when the wine is at home, but also when things go awry in transit. You can opt for blanket coverage or itemized coverage, depending on your needs, with no deductible in either case.

For an additional premium, you can add other coverages and increase limits, like extending your property insurance to cover a recent renovation or increasing your wine and spirits coverage as your collection grows. Since your policy can be easily customized, you can be sure you’re getting more coverage where you need it most.

Water damage is a common risk, and it can lead to big losses. Smart water monitoring systems can help prevent the devastating consequences of leaks, floods, and other water-related problems, using real-time alerts, reporting, and individual insights to keep your home safe and dry.

Discounts or credits may be available for policyholders who purchase and install an eligible automatic water shut-off system and associated water sensors. Contact your broker or Northbridge Risk Services Consultant to learn more.