Blog Press Room Products: Products > Personal > High Value Home Insurance High Value Home Insurance Your home is your castle, and we've got it covered. When you own an exceptional home, standard homeowners insurance just isn’t enough. Fortunately, there’s a higher level of protection for homes like yours. Our PINNACLE program is offered exclusively for higher-valued homes and is designed to give you flexibility to tailor a policy that meets the unique needs of you and your family. If you have invested in furnishings and collectibles of value, PINNACLE is an excellent way to insure higher value items such as: Money, bank notes, bullion Rare and valuable coins Silverware, gold, pewter, etc. Recreational motor vehicles PINNACLE also allows for higher recovery limits than most standard home policies, such as: Personal injury for you and your family Water damage from sewers, drains and sumps Direct physical loss to covered property Replacement costs Identity fraud Misplacement or loss of personal items such as jewelry, silverware and guns The PINNACLE program includes Identity Fraud Expense Coverage, protecting you and your family from identity thieves who may steal your personal information to make unauthorized purchases. Find an Agent Find an independent agent near you or search by your independent agent company name. Find by Zip Code Find by Agency Name Resources Household Inventory Checklist Home Inventory Video Protecting Valuables Video “My parents, who lived in NJ, recently passed away. They were Preferred Mutual policyholders for more than 30 years. In that time, your company and employees took care of my parents through a few claims when they needed your support. ” – Michael, Washington D.C. Optional Coverage Identity Fraud Coverage Seasonal Home NY Auto MA Auto Snowmobile Boat Personal Umbrella Coverage Valuable Possessions Coverage Preferred Mutual Insurance Company © 2021 Home Sitemap Online Privacy Policy Terms Of Use Disclaimer NYS Domestic Violence 800.333.7642