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High-Value Home Insurance in Santa Rosa and Sonoma, CA

Protecting High Value Homeowners in Santa Rosa and throughout Northern California

If you have a high-value estate, expensive furnishings, and collections of different valuables, you may be a high-value homeowner.  Like any home, a high-value home needs protection against risks, and for the owner of such a home, the best way to get protection that’s adequate is to have insurance.  At Kiddoo Insurance Agency we have a comprehensive high-value home insurance program that’s designed to give the best and broadest coverage and to address any loss.

Our agents have insured high-value homes for 30 years, and they have great understandings of products and of the industry.  Also, our agents are local, so not only will they give you an insurance package that fits but also they’ll know and understand your needs.  Knowing and understanding your needs will enable our agents to ensure that you have the best possible experiences.

Did you know we also offer top-tier auto and umbrella insurance for the affluent household?

High-Value Home Insurance Coverage Details

Typical minimum dwelling coverage for a high-value home is $750,000.  We typically start at $500,000 for auto insurance, and we extend this coverage for up to $5,000,000 with extended liability.  Of course, we tailor the insurance that we write to the needs of our clients, so if you need limits that are higher than what are listed here, we’ll give them to you.

We work with a number of A-rated carriers, including Nationwide Private Client, which offers the finest protection, coverage options, and package pricing.  Through all of our carriers, we deliver whatever the affluent market demands, including insurance for valuable collections, travel assistance, concierge services, and wildfire protection.  We offer flood, hurricane, and earthquake insurance if it’s needed, and we combine coverages for these types of insurance with other polices if we can.

For a few of the coverage options available to you, see the list below:

  • Excess liability and umbrella liability coverage
  • Liability insurance to cover domestic help
  • Identity theft insurance
  • Kidnap and ransom insurance
  • Coverage for vacation homes
  • Medical coverage for pets
  • Protection endorsement
  • Uninsured/underinsured motorist coverage
  • Property insurance
  • Renters insurance
  • Landlords insurance
  • In-home business insurance
  • Third party liability

The great, longstanding relationships that we have with carriers enable us to give you higher limits for the right prices.  For example, we can provide you with unlimited building ordinance and law coverage, which is essential for homes in changing communities in Northwestern California.  We can also provide you with coverages that protect assets that are not normally covered by homeowners insurance policies.  Classic cars are among the assets that we can insure that are not normally covered by homeowners policies.  To learn more, contact an agent.

A Knowledgeable, Experienced Agent Keeping You Secure

We begin by quoting entire packages, and we have second quotes as backups.  We then sit down with clients in order to find out about what clients care most and about what concerns clients.  We personally inspect each home as part of a detailed and thoughtful process, and once we have proposals finished, we show clients their package options.  We never do this over the phone, as the attention that’s needed in order to find the right fits for clients demands in-person interactions.  Based on client selections we put into place the packages that fit best, and we then keep a close eye on the packages that clients purchase.

Contact us or give us a call today.  To start on a policy, request a quote.

Additional Affluent Home Insurance Resources:

We’re proud to provide high-value home insurance in Santa Rosa, Sonoma, Rohnert Park, Healdsburg, Petaluma, and Sebastopol, CA.  We also serve other areas in the state and we serve other states.

Our Location

Kiddoo Insurance Agency

2455 Bennett Valley Road, Ste. #105B
Santa Rosa, CA 95404
Main office: 707-526-3312

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.