What Is The Best Home Insurance Policy? 
The most comprehensive home insurance policies are offered by the High Value/High Net Worth insurance companies . These companies include PURE Insurance , AIG 's Private Client Group , ACE Insurance & Chubb Insurance . They will usually provide coverage on an all risk form as opposed to a named peril form . For example - a named peril form will list the things you are covered for ; fire , wind , hail , theft , vandalism , etc. . The High Value companies will say you are covered for Everything except - intentional acts , flood , wear & tear , nuclear , etc. . The insurance companies listed above will usually require you insure your home for more than $ 1,000,000 and have excellent credit . Some will even require an umbrella or jewelry policy to consider . 