Affordable insurance starts with an easy quote
High Net Worth Insurance is a specialized suite of coverage designed for individuals with significant assets, high-value properties, and unique liability exposures. Standard homeowners policies often cap coverage at limits that leave wealthy individuals underinsured. This “Private Client” coverage encompasses everything from custom homes and luxury vehicles to fine art collections and domestic staff workers’ compensation.
Mass-market carriers typically cap dwelling coverage and use “Actual Cash Value” for contents, which depreciates your belongings. If you own a custom home, standard policies may not cover the cost of specialized craftsmanship or materials. The Insurance Information Institute notes that high-net-worth individuals are frequently targeted in liability lawsuits simply because of their perceived ability to pay, making higher liability limits not just a luxury, but a necessity to preserve your wealth.
We build a protective wall around your lifestyle using carriers that specialize in high-value assets.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.
| Feature | Standard Homeowners Policy | HNW / Private Client Policy |
|---|---|---|
| Guaranteed Replacement Cost | ✖ Capped (e.g., 120%) | ✔ Uncapped |
| Cash Settlement Option | ✖ Excluded | ✔ Covered (Take cash, don’t rebuild) |
| Kidnap & Ransom | ✖ Excluded | ✔ Covered (Global) |
| Deductible Waiver | ✖ Rare | ✔ Covered (Large Losses) |
“How much does private client insurance cost?” Premiums are higher than standard policies but offer significantly more value per dollar of coverage.
High-value assets require high-touch service. We offer the discretion and expertise of a private banker for your insurance portfolio. “Independent Means Multiple Choices.”
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
We’re here to help you explore your coverage options tailored to your needs.
Request Quote
Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
We love to learn more to help our customers make the insurance process easier.
Experience the Value of
an Independent Agency
