High-Value Home Insurance
Standard homeowners policies fall short for Telluride's luxury properties. We specialize in high-value home insurance that covers your mountain estate at true replacement cost — including custom log construction, premium finishes, and the elevated rebuild costs unique to high-altitude, remote locations.
Telluride is home to some of the most spectacular — and most valuable — residential real estate in Colorado. Luxury ski-in/ski-out chalets, historic Victorian homes, custom mountain lodges, and modern architectural masterpieces all require insurance programs far beyond what a standard homeowners carrier can provide.
High-value home insurance through Contractors Choice Agency is built around the real economics of mountain construction. Standard replacement cost estimates dramatically understate what it costs to rebuild a Telluride home — factoring in contractor premiums for remote access, specialized materials for mountain construction, altitude-specific building codes, and the skilled craftsmen required to replicate premium finishes.
What's Covered: Coverage is written on an agreed-value or guaranteed replacement cost basis — not a standard formula that leaves you underinsured when you need your policy most. Common coverages include dwelling at full replacement cost, detached structures (guest houses, ski storage, garages), personal property at replacement cost, loss of use while your home is rebuilt, and comprehensive liability protection.
Why Standard Policies Fail Mountain Homeowners: Most national carriers use automated valuation tools that don't account for Telluride's construction reality. A 4,000-square-foot mountain home that would cost $400/sqft to rebuild in a metropolitan area may cost $600-$800/sqft in Telluride — factoring in site access, altitude, and the custom nature of mountain construction. Standard policies written to metropolitan-area replacement cost formulas can leave mountain homeowners with a six-figure gap at claim time.
What's Covered
- Dwelling at guaranteed replacement cost
- Extended replacement cost (up to 150% of dwelling limit)
- Custom construction and premium finish coverage
- Detached structures and outbuildings
- Personal property at replacement cost
- Loss of use / additional living expenses
- Personal liability and medical payments
- Water backup and sewer backup
- Earthquake and earth movement
- Wildfire defensible space expense coverage
What's Covered
Frequently Asked Questions
How is 'high-value' defined for insurance purposes?
Carriers typically define high-value homes as those with replacement cost values above $750,000–$1 million. Given Telluride construction costs, most mountain homes qualify. We can run a professional replacement cost estimate to confirm.
Do I need a separate policy for my ski storage building or guest house?
Detached structures are typically included under your homeowners policy at a percentage of the dwelling limit (often 10%). If your outbuildings are more valuable than that, we can schedule them separately to ensure full coverage.
My current carrier won't write my Telluride home. Can you help?
Yes — this is one of the most common situations we handle. Several standard carriers restrict or decline coverage in mountain resort areas. We work with specialty carriers that understand the Telluride market and write coverage at appropriate limits.
Get Covered Today
Our mountain insurance specialists can review your current coverage, identify gaps, and bind a policy that actually protects your investment. No automated underwriting — real agents who know Telluride.