Private Client & High-Value Home Insurance

Coverage options for luxury primary residences that may include extended dwelling protection and reduced co-insurance requirements, subject to underwriting and carrier eligibility.

• Replacement cost coverage options — subject to underwriting
• Extended dwelling coverage may be available
• Ordinance or law coverage options may be available
• Agreed value on scheduled structures may be available, subject to underwriting

Coverage options that may help address gaps left by your HOA master policy, subject to underwriting, eligibility, and policy terms — including unit improvements, personal property, and liability.

• Unit improvements & betterments coverage options may be available
• Loss assessment coverage options may be available
• Personal property at agreed value options may be available, subject to underwriting
• Walls-in coverage options may be available

Private flood coverage options that may offer higher limits than NFIP programs, subject to underwriting, carrier availability, and policy terms.

• Higher coverage limits may be available
• Contents and structure coverage options may be available
• Temporary living expense coverage may be available
• Renewal terms subject to carrier and underwriting

Excess liability coverage options that may extend beyond your primary policies, subject to underwriting, eligibility, and carrier availability.

• High-limit options may be available — subject to underwriting
• May cover auto, home, and watercraft liability
• Defense cost coverage options may be available
• International coverage may be available — subject to policy terms

Scheduled and blanket coverage options for fine art, jewelry, watches, wine collections, antiques, and other high-value personal property, subject to underwriting and appraisal.

• Agreed value options — subject to appraisal and underwriting
• International coverage may be available — subject to policy terms
• Fine art, jewelry, watches, wine collections
• Newly acquired items coverage may be available — confirm with your specialist

Coverage options for vacation homes, beach houses, mountain retreats, and seasonal properties may be available, subject to underwriting, carrier availability, occupancy status, and policy terms.

• Seasonal and year-round coverage options may be available
• Vacant property endorsements may be available, subject to underwriting
• Rental income protection options may be available
• Coordination with primary home policy may be discussed with your specialist

Landlord and investment property coverage options for real estate holdings, subject to underwriting, eligibility, and policy terms — including property damage, liability, and loss of rental income.

• Dwelling and liability protection options may be available
• Loss of rental income coverage options may be available
• Multi-property portfolio programs may be available, subject to underwriting
• Commercial and residential options may be available

Agreed-value coverage options for luxury, exotic, and collector vehicles, subject to underwriting, eligibility, and policy terms — with higher liability limits available.

• Agreed value options may be available, subject to underwriting and policy terms.
• Exotic, classic, and collector vehicle coverage options may be available
• Roadside assistance and rental reimbursement options may be available
• Higher liability limits may be available, subject to underwriting