State Farm isn't built for these kind of risks...Lloyds is better for high end risks and varies between syndicates as RW points out. Chubb & Pure are also good to consider

I agree pbd007 as to adding on...My underlying $1 million is with Erie and $10 mil excess with Chubb and the beach house risk is clearly disclosed and documented on both. However I don't think the claims risks are actually contractually aligned among the underlying and excess (and could be easily wrong as well). it could be that Chubb covers everything over $1 million because Erie refuses to pay the 1st million on a claim and therefore I would be responsible for $1 million out of pocket. IMHO.