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Much like a Mastercard Black Card, policies for high-value homes come with perks such as no-cost home inspections and employment practice liability options.

These tips from Travelers can help get your home in the best shape to protect it against winter perils.

Coverages that BOPs typically provide include property insurance for buildings and contents, business interruption coverage and liability protection.

The Coalition Against Insurance Fraud reported auto theft costs U.S. businesses and consumers around $7.4 billion each year.

Victims of property crimes are less likely to know the offender than victims of violent crimes, ValuePenguin reports.

Floods are an excluded peril in standard homeowners policies, so those in areas in danger of flooding should consider additional coverage.