What if we told you that 60% of American homes are underinsured? Would you think twice? Let’s face it: All houses are NOT created equal. The same applies to homeowners policies. If you live in a luxury home, you need to be insured through a high net worth carrier. These insurers are designed to protect luxury homes, cars and successful lifestyles. While mass-market carriers can also issue policies for luxury homes, they’re restricted by policy limits that WILL leave your home underinsured.