Protect Your High Value Home

Do you have a home with a replacement value of over $1 million dollars? To Insurance Companies that means that your home falls into the “High Valued Home” Insurance category. Since high value homes use higher-end materials and more complex construction, they require insurance policies with premier level carriers to match their value. We work with companies like Chubb, Pure and AIG to create the best policy for your luxury home.

Montecito Insurance has been around since 1989 and specializes in insuring high value homes throughout Santa Barbara County.

Montecito Home Insurance

Home Insurance

We provide insurance for all types of homes: Primary and secondary residences, condos, rental properties, vacation homes, high value homes, high fire area homes, home in Santa Barbara, Goleta, Montecito, Hope Ranch, and throughout California.

Santa Barbara Earthquake Insurance

Earthquake Insurance

In California, Earthquake insurance is issued by an independent organization, the California Earthquake Authority (CEA). CEA policies are available through Baxter Insurance, your local Farmers® agent.

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Personal Collections

To properly cover your valuables you should purchase a Personal Collections
Insurance policy to properly cover your valuables, get broader coverage, and lower deductibles on your valuable items.

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Personal Excess Liability

A personal excess policy is a key part of your insurance protection. Personal Excesses provide extra liability protection over and above what your underlying policies cover for you.