I have a client who has done a bunch of work on their home and it is now in excess of $1.4M estimated cost to rebuild. Currently with Safeco but client would like options. Washington State. They have a pool (fenced) and 4 horses on the property (4 people live in the home). However, they do not have a centralized fire/burglar system - they only have a Ring doorbell system that goes to their phones. No central alarm system has been disqualifying to other carriers I have approached - is anyone aware of a carrier that does not have that requirement on a high value home?