High Net Worth Insurance
What is high net worth insurance?
While standard home, auto, and umbrella policies work for many, individuals with significant wealth often face unique risks that require more specialized protection. High net worth insurance is designed for affluent individuals and families who need broader coverage, higher limits, and personalized risk management solutions.
It’s not just about higher limits—it's about smarter coverage tailored to your unique risks and lifestyle.
What does it cover?
We offer a range of comprehensive insurance options designed specifically for high-value assets and complex portfolios:
High Value Homeowners Insurance
Protection for luxury primary and secondary residences, high-end finishes, and custom construction. Additional options include wildfire defense, water damage coverage, and loss-of-use reimbursement.Auto Insurance for Luxury & Collector Vehicles
Coverage for high-performance, antique, exotic, or collector cars with options like agreed value coverage, OEM parts, and concierge-level claims support.Umbrella Insurance (Excess Liability)
High-limit personal liability protection against claims for bodily injury, property damage, and personal injury. This coverage can supplement your home and auto policies to shield your wealth from lawsuits.Specialty Coverage for Valuables
Scheduled protection for fine art, jewelry, antiques, and other prized possessions. Many of these policies offer worldwide coverage and may come with no deductible.Flood Insurance & Earthquake Insurance
Vital coverage for high-net-worth individuals in California, where natural disasters pose a real threat. These policies protect your property from damage caused by floods and earthquakes.Life Insurance for High Net Worth Individuals
Customized life insurance solutions designed to support estate planning, wealth transfer, and legacy goals. We help you structure your policy to align with your long-term financial strategy.