Mansion Insurance in Florida & NEW York: What Does It Cost in 2026?

You searched for "mansion insurance Florida" — and you quickly realized your standard homeowners policy isn't built for a $5 million waterfront estate in Palm Beach or a penthouse on Manhattan's Upper East Side. This guide gives you the honest answer: real cost estimates, the carriers that actually write this coverage, and what a standard HO-3 policy will never cover for a luxury home. Written by a specialty broker licensed in Florida and New York.