Type of Coverage:

Safeguard Your High-Value Home with GMG Insurance Laguna

Whether you have property in Newport Coast with ocean, mountain, and city light views; are living in the gated community of Coto de Caza; or have built your dream house in Costa Mesa, Mission Viejo, Rancho Santa Margarita, or another area in beautiful Orange County, these homes require insurance programs that go beyond the standard homeowners coverage. To properly protect your home and assets, you need insurance limits that are high enough in the event of property damage or a liability loss, in addition to insuring your property’s extra amenities.

For high-value homes and estates, GMG Insurance Laguna provides specialty homeowners insurance that offers more than just coverage—our programs also have options for loss-mitigation services and crisis response assistance for exposures unique to these areas.

Moreover, high-value homes are not restricted to single-family residences. Many townhomes and condominiums in our communities far exceed $1 million in cost, and their contents can include expensive collections as well as the property of domestic staff.

Special Considerations

A high-value homeowners insurance policy can cover guesthouses, servants’ quarters, other outbuildings, tennis courts, electronic gates, security systems, and landscaping.

Coverage for your home’s contents can extend to money, securities, and precious metals held in the home, watercraft kept on premises, gravestones, valuable papers, and jewelry up to certain limits. If you have domestic staff, you can have their personal possessions insured against loss, as well.

If a civil authority or a covered event forces an evacuation of your residence, you can be insured for expenses associated with temporary living arrangements. You can also obtain coverage for loss assessments issued by community associations for property damage to common property, which is especially important for those living in upscale condominiums.

Protect Your Home All Season Long

Our insurer partners also provide crisis response and loss control services to our high-net-worth clients. That can include identity theft coverage and response, help with security, such as lock replacement, and art removal for protection from impending natural catastrophes. It can also include complementary Wildfire Protection Services, which is particularly critical in areas of our community vulnerable to high winds and resulting fires. At the start of the season, our insurance partner will coordinate a property inspection to identify potential vulnerabilities to wildfire. If warranted, recommend steps will be provided that you can take to help safeguard your home. If an active wildfire threatens your home, a response team will be dispatched, and access permitting, will attempt to treat your home.

Enhanced Liability Coverage

Worldwide coverage for liability claims is important for our high-net-worth clients, so our insurer partners offer such considerations. We provide high limits of personal liability insurance that cover both bodily injury and property damage for which our insureds are held responsible. This liability coverage can also extend to family in residence, pets and domestic staff of the insured. Legal defense is also included, even if the claim against you is groundless.

GMG is dedicated to insuring the residents of our local communities.

Turn to GMG Insurance Laguna for personalized attention on managing your assets and securing products that accommodate your lifestyle, now and as it changes over time. Contact us (949) 715-7981 or email at