February 8, 2022

How to Obtain Better Rates on High-Value Home Insurance

Written by:
Bob Phillips
Reviewed by:

Did you know that insurance companies love offering you discounts on your high-value home insurance because it’s a win/win proposition? You win because you’re taking responsibility for reducing or eliminating risks that could be dangerous for your family and your property. The insurer wins because you’ve taken steps to prevent claims, which increases their profitability.

In this article, we’re going to focus on how you can obtain better rates on your high-value home insurance. It may cost you money to make some of these modifications to your home, but they’ll be worth it not only in terms of what you’ll save in annual premiums, but also the additional safety you’ll be providing for your family. 

Know Your Discounts


Many homeowners are paying more than they ought to for their high-value home insurance. Innocently, their agents didn’t ask the right questions when they were putting together a quote. Some of these agents work for insurers that are mass marketers and aren’t knowledgeable about high-value home insurance. Asking a prospective client about anything other than fire extinguishers, smoke detectors, and a security system is outside their area of expertise.

That’s not been the experience of Kelly Klee clients, nor will it ever be. Our coverage advisors are experts at inquiring about every possible area that will give you the best discount available from the finest high-value home insurance carriers.


Here are fifteen risk mitigation items to consider that may provide a discount:


  • Monitored fire alarm (professionally installed)
  • Monitored burglar alarm (professionally installed)
  • Gated community
  • CCTV (allowing you to view live events on your property, as well as record them)
  • Motion detector
  • Patrolled property



  • Seismic gas shut-off valve
  • Indoor sprinklers
  • Lightning protection


  • Electric backup generator
  • Full-time live-in caretaker
  • Class 4 roof (Roofing materials that have been classified as Class 4 have met the strongest level of resistance. You will have a smaller likelihood of damage after a hail event or a storm where debris has made contact with your roof.)


If you are eligible for some of these discounts and not receiving them, the agency providing your home insurance may not specialize in working with an affluent clientele or high-value homes. 

For example, the thought of asking you if you’re protecting your home with indoor sprinklers may have never crossed their mind. An unintentional omission, but it’s costing you money. How many other discounts are you missing out on?

Contact Kelly Klee today to review your high-value home insurance coverage. We’ll make sure you have the comprehensive coverage you should have at the most favorable rate.

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