Is your home truly protected — or quietly exposed?
Introduction
You’ve curated a home that reflects your taste, success, and security. But is your insurance policy as tailored as your interiors?
We help Georgia’s high-net-worth homeowners ensure their protection matches their lifestyle. And too often, we uncover serious insurance shortfalls in luxury homes.
Here are seven warning signs your $600,000+ home may be underinsured — and how to fix it.
1. Your Rebuild Cost Is Based on Pre-2020 Estimates
Construction costs have surged. If your policy is based on outdated replacement value, you may be significantly underinsured.
Learn why your rebuild cost may be outdated.
2. You’ve Renovated — But Didn’t Inform Your Insurer
Smart kitchen? Home theater? Wine cellar? These upgrades increase your home’s value — and if your insurer doesn’t know, they’re not protected.
See how luxury renovations impact insurance.
3. Your Valuables Are Unscheduled
Art. Watches. Designer jewelry. These are often capped under basic policies — far below their real value.
Find out what valuables are actually covered.
4. You Have a Standard Carrier — Not a Private Client Policy
Mass-market carriers weren’t built for homes like yours. From claim delays to lack of risk advisory services, you deserve better.
5. You Haven’t Checked Your Cyber or Water Backup Limits
These claims are rising — and often undercovered. From ransomware attacks to flooded basements, gaps in coverage can be costly.
6. You Own a Second Home — But It’s Not Coordinated in One Policy
Having separate carriers or unaligned coverage for vacation homes, condos, or rentals creates gaps and confusion at claim time.
7. You Haven’t Had a Policy Review in Over a Year
Lifestyle changes — and so should your policy. From new assets to evolving risks, annual reviews are a must.
Request a private client policy review to ensure every detail of your lifestyle is covered.
Final Thought: Is Your Policy Keeping Pace With Your Life?
You’ve built a home of distinction. Make sure your insurance keeps up. Even one overlooked detail — like an outdated rebuild estimate or an unscheduled piece of art — could cost you dearly.
At Oak Insurance Group, we specialize in tailored coverage for Georgia’s finest homes. Let’s review your policy, assess your risks, and ensure every corner of your lifestyle is protected.
