Homes valued at $1 million or more need special kinds of coverages. Many insurance companies won't insure homes that cost more than $1 million to replace. Those that do want additional protection measures, such as alarm or surveillance systems and may require a home inspection. Insurance policies geared to high-valued homes often offer some additional features, such as higher limits for replacement of jewelry and furs, kidnapping coverage, workmen's compensation coverage for domestic help, and errors and omission coverages for homeowners who are on non-profit boards. These policies also allow flexibility for adding coverages for additional homes or seasonal properties, higher liability limits, and additional structures on the property, such as a bank barn or carriage house. Often deductibles can be increased to as much as $10,000 to keep premiums low.