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Not all homeowners insurance covers your home’s custom craftsmanship and special materials. We provide access to solutions that appropriately protect high-value homes.
Seeing your home damaged or altogether destroyed is a devastating experience. You might not think that things can get any worse until you learn that your homeowners policy does not respond as you expected. Unfortunately, many homeowners mistakenly believe that all insurance policies are the same without considering whether their coverage is appropriate.
Whether you live in a historic home or custom-built luxury home constructed with unique materials and craftsmanship, you want to know that if your home is damaged, your insurance policy will pay for the costs to have it rebuilt and restored to its original condition. But many homeowners policies do not provide coverage for the level of workmanship or quality of materials needed to appropriately restore the superior design and construction elements found in most high-value homes.
The limit of coverage for your dwelling should be based on how much it would actually cost to rebuild your home. This amount can vary significantly from its market value. Some insurance companies provide additional protection by offering a guaranteed or extended replacement cost feature and will pay rebuilding costs even if the costs exceed your policy limit.
We provide our clients access to insurance appropriate for owners of high-value vehicles, including luxury and collector cars.
With so many auto insurance options out there, it can seem like all auto insurance is pretty much the same. But the differences become quite clear when you have a claim. For instance, what would happen if you were in an accident and wanted your favorite garage or car dealership to handle the repairs?
Most standard insurers limit your claims settlement if you use a repair facility outside of their network. However, many of the insurers we work with - insurers who specialize in providing financially successful families and individuals like you a higher level of protection - allow you to freely choose your own.
Personal liability arises when, through action or negligence, you become legally responsible for loss or harm to another. Home and auto policies provide limited protection. Additional protection is available through personal excess liability insurance.
How much liability coverage is enough?
The answer to this question is different for everyone and depends on your unique circumstances. Your current net worth is a good place to start, but you should be aware that a jury or judge has no obligation to render a verdict you can afford to pay immediately. The court is able to attach your future earnings. This means that personal liability exposure puts not only your current but also your future assets at risk.
Try our Personal Liability Risk Estimator below for a more detailed estimate on risks you may face.
If you rely solely on your homeowners policy, you may not have enough coverage to replace precious valuables that are lost, stolen, or damaged.
We assist clients in obtaining coverage that will appropriately cover their prized possessions.
Consider these common limitations on typical homeowners policies:
• Coverage for breakage is generally excluded.
• Items that are misplaced or lost may not be covered.
• A deductible will most likely apply to your loss.
• The loss settlement for items of rarity or antiquity may be limited.
• Typically, coverage for many types of valuables is limited to $1,000 - $5,000.
We also help clients obtain a wide range of specialty coverages risks associated with more complex lifestyles.
Our business is based on the notion that our clients have complex lifestyles that require specialized insurance protection as part of customized insurance programs. That’s why, in addition to home, auto, liability and valuables coverages, we also help clients obtain a wide range of special coverages, including:
• Group Personal Excess Liability.
• Employment Practices Liability.
• Equestrian.
• Independent Directors and Officers Liability.
• Kidnap and Ransom.
• Workers Compensation.
Specialized Coverages
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