Dazzling Home Design Features Warrant Additional Insurance Protection

Homes of distinction are constructed by talented craftsmen using the finest materials available, and it’s not unusual for months or even years of construction to take place before the client’s and architect’s vision is realized. These multimillion-dollar dwellings often have a dazzling array of unique features inside and outside the residence as well—everything from natural rock formations and a river flowing from outside through the interior of the home, to seemingly floating invisible staircases made of Lucite. Some clients have installed an entire wall of a special kind of glass as a design feature in their basement, which provides a stunning view into the depths of a swimming pool or commercial-grade aquarium on the other side of the glass. Some want to recreate a sportsman’s paradise, complete with putting greens, trampoline, tennis court, and batting cage on the premises. Still others have created a resort-like experience in their backyard, building elaborate fire pits, diving platforms, swim-up bars in the Olympic-size pool, water slides, hot tubs large enough to seat 20, and splash pools. If you own a home with these kinds of features, you have a particular need for Connecticut high net worth insurance.

The special infrastructure that is required to support these kinds of high-end design elements presents its own exposure to risk in the event any of these features fails, which could result in serious property damage—and when a multimillion-dollar structure is at stake, this damage can be catastrophic. Not to mention, the existence of all those fun features to jump in, on, and from, will create additional opportunities for guests to hurt themselves. Ironically, the mere presence of such elaborate design features can present additional risks, as a greater number of people are more likely to want to come to your residence to enjoy everything there is to experience. Consult a professional insurance agent to learn more about how a carefully constructed Connecticut high net worth insurance policy with the special features and coverage amounts you need can protect you from risks arising from the design features that make your home so unique and enjoyable.