Insurance for high-value coastal homes
Luxury and waterfront homes need more than a standard policy stretched thin. We work with carriers who specialize in the high-value market, with solutions built for high-net-worth households.
What's covered
What high-value home coverage adds
Extended replacement cost
Rebuild guarantees beyond your dwelling limit when costs spike after a storm.
Cash settlement options
Flexibility to take a settlement instead of rebuilding.
High-limit liability
Umbrella-scale personal liability matched to what you own.
Scheduled valuables
Jewelry, art, and wine folded into one coordinated program.
Water & service lines
Seepage, backup, and service-line coverage standard forms exclude.
Risk consulting included
Carrier inspections and prevention credits that protect the asset itself.
Is this you?
Who fits the high-value market?
Waterfront estate owners
Intracoastal and oceanfront homes with rebuild costs standard carriers cap.
Owners of $750k+ homes
The high-value market typically starts here — and often prices better than you'd expect.
High-net-worth households
Coordinated home, auto, umbrella, and valuables programs from one specialist carrier.
Custom & historic homes
Craftsmanship and materials that agreed-value policies respect.
The Tidal Shield difference
A boutique agency in your corner
Nearly 20 years on the coast
Licensed since 2006 and writing coastal property coverage ever since — we know storm season because we live it.
Never answered by a robot
Call the office and a licensed person picks up — the same people who write and service your policy.
Carriers that compete for you
Independent means options. We quote multiple carriers and bundle home, auto, and flood where it saves you money.
High-value home specialists
Access to carriers built for the high-value and high-net-worth market, with limits standard policies can't reach.
Client reviews
The family of agencies, in clients' words
Tidal Shield is the newest member of the family. These are real, unedited Google reviews of our founding sister agency, Coastal Shield Insurance — written about the same people now serving the First Coast.
“I've dealt with hundreds of customer service reps over the decades and I can say without reservation that Anna is in the Top 1% of service. She exudes warmth and competence.”
Neil Cotiaux
“Absolutely thrilled with the service Anna provided for both our car and homeowners insurance. She went above and beyond for us and our savings was remarkable!”
Dawn DiBrino
“The best customer service! Day or night, weekday or weekend, you can count on this team! Very dependable and pleasant staff!”
Renee Turano
Get started
Let's find the right coverage
Tell us a little about what you need to protect. We shop multiple carriers, come back with plain-English options, and never hand you off to a call center.
Request a free quote
It takes about a minute — or import your current policy with Canopy Connect from the Contact page.
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