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Homeowner's Insurance

Most homeowner’s policies contain standard but limited coverage. When you have multiple homes and/or the cost to replace your home will exceed $1.5 million, it is time to consider a policy with broader coverage that is specifically designed to address the unique needs of higher-value properties.

Ensure your extraordinary home is covered properly.

Standard homeowner’s policies are not designed to fully protect your luxury primary home, a beach getaway, or a seasonal rental in the mountains. The higher the value of your property—and the more custom or complex the features involved—the more important it is to get a specialized homeowner’s policy designed to cover these unique homes.

B. F. Saul Insurance helps successful individuals and families secure homeowner’s insurance that protects valuable properties, avoiding the limitations and exclusions you will find in basic policies.

We may recommend a policy that includes coverages listed below, depending on your needs:

  • Guaranteed replacement cost
  • Cash option to rebuild at another location
  • Contents coverage extended to other locations
  • Contents coverage for students living away from home
  • Broad additional living expenses
  • Rebuilding to code
  • Equipment breakdown
  • Cyber insurance

Discover the top risks associated with a second home.

Key Contacts

Khaleeq Everett

Khaleeq Everett

Associate, Personal Insurance

View bio | Meet with me
Erika Marino

Erika Marino

Vice President, Personal Insurance

View bio | Meet with me

Discover How We Can Manage Your Risk


Deep Knowledge. Exceptional Service.


Independent Family Ownership

Independent Family Ownership

We believe that being privately held is essential to achieving growth—now and in the future. Retaining an independent ownership results in a long-term outlook and provides the financial means to invest in resources relevant to your needs.

Expertise & Experience

Expertise & Experience

Your goals and priorities come first. With meaningful experience serving businesses, individuals, and families, we keep up on relevant exposures in order to customize the advice to you.

Proven Service Model

Proven Service Model

At B. F. Saul Insurance, the advisor that understands your risks and business priorities also negotiates and structures your program. Our direct access to the global insurance market affords you the best possible results.

We Develop Long Term Relationships

We Develop Long Term Relationships

On average, we retain about 95% of our clients every year (greater than the industry average of 80-85%). We are passionate about people—yours and ours—leveraging our knowledge about you to more effectively advocate on your behalf in the market.


Speak with a knowledgeable advisor about your business or individual insurance needs.

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