Coverage built from the cost to rebuild.
Alishahi Insurance is an independent high-value home insurance broker in Beverly Hills (CA License #4348151), for homes in Bel Air, Brentwood, Beverly Hills, the Palisades and across Los Angeles. I start from what the home would actually cost to rebuild, then shop high-value carriers, surplus lines and Lloyd’s.
Quick answer Alishahi Insurance is an independent high-value home insurance broker in Beverly Hills (CA License #4348151) for homes across Los Angeles, starting from rebuild cost and shopping high-value carriers, surplus lines and Lloyd's.
- Alishahi Insurance's high-value home practice focuses on homes from about $3M in rebuild cost upward.
- A high-value home should be insured to the cost of rebuilding the structure, not its market value, because market value includes the land.
- When admitted carriers pull back near the hills, options include specialty wildfire markets, surplus lines, or a FAIR Plan policy wrapped with difference-in-conditions (DIC) coverage.
- Surplus lines insurers aren't members of the California Insurance Guarantee Association, so CIGA won't pay claims if a surplus lines insurer becomes insolvent.
- A home held in a trust can be insured, with the trust and trustees named on the policy the way title is held.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
When a standard policy isn’t built for the house
Standard homeowners policies are designed around typical houses. Custom construction, high-end finishes, art and collections, household staff and multiple properties are where their limits and exclusions start to show.
A high-value program is written around those exposures, usually with open-perils coverage on the home and contents, higher liability limits, and claims handling that expects custom work.
- DwellingReplacement cost, often with extended replacement cost above the limit for post-disaster price spikes.
- Other structuresGuest houses, walls, pools and hardscape, at limits that reflect what they cost to replace.
- Contents and valuablesBroad coverage for belongings, with jewelry, art, wine and collections scheduled so they’re valued properly.
- Additional living expensesHousing at a comparable standard while the home is repaired or rebuilt.
- LiabilityHome liability coordinated with an umbrella sized to what you own.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- The basics: address, year built, square footage and construction type.
- Roof and systems: roof material and year, plus updates to electrical, plumbing and heating.
- Wildfire exposure: distance to brush, defensible space and any ember-resistant upgrades.
- Protection: fire sprinklers, monitored alarms, gated access and distance to a hydrant.
- Occupancy and ownership: primary or secondary home, rented or not, and whether it’s held personally, in a trust or in an LLC.
- History: claims in the last five years and any non-renewal or cancellation notice.
High-value homes, answered
Is luxury home insurance different from regular homeowners insurance?
Usually, yes. Luxury and high-value homes in Los Angeles are often written by specialty carriers, with coverage built from the full cost to rebuild, higher limits for belongings and liability, and options such as extended replacement cost, depending on the carrier. I shop the admitted and specialty markets that write these homes.
What counts as a high-value home?
There isn’t one cutoff. Rebuild cost, construction and what needs to be covered matter more than the sale price. This practice focuses on homes from about $3M in rebuild cost upward.
Should I insure my home for its market value?
No. Market value includes the land, which doesn’t need rebuilding. Insure to the cost of rebuilding the structure with comparable materials and labor, which can be higher or lower than the sale price.
Is a surplus lines policy as safe as an admitted one?
Coverage can be broad, but surplus lines insurers aren’t members of the California Insurance Guarantee Association, so CIGA won’t pay claims if the insurer becomes insolvent. I explain that trade-off in writing before you choose.
Can you insure a home held in a trust?
Yes. The trust and trustees should be named on the policy the way title is held, so there’s no question about who is insured.
Do you offer high-value homeowners insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state or high-value home insurance by state.
Send the address. I’ll take it from there.
Your current declarations page and any renewal or non-renewal notice help, but they aren’t required to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
A short video from Sam
Under a minute each. Videos use an AI-generated version of Sam’s likeness and voice. General information only; coverage depends on your policy.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.