High Value Homeowners Insurance
Your home is more than bricks and mortar. It’s full of memories and you’re reflected in every detail. So if you experience a claim, you’ll want more than a check from your insurer. You’ll want your life back, and to rebuild without hassles, headaches, or delay.
Auto insurance policies are not created equal. We offer choices and features not typically found in standard policies. When you insure your car with us, we verify that your vehicle is repaired correctly every time and that you get some of the best protection on the road.
Your time is valuable — whether it’s driving to hockey practice or taking a long-distance trip — you need to be able to rely on your car to get you where you need to go. From repair to the rental, we make it easy — getting you back on the road faster.
We offer unparalleled stability and protection for small boats, yachts, luxury mega-yachts, and more.
Exotic and Collector Vehicle Insurance
We share your enthusiasm for classic cars delivering outstanding protection and service. We’ll always cover your choice of repair shop or connect you to our network of top experts – even if that means sending your car out of state or overseas for necessary repairs. And we’ll never ask you to sacrifice on quality. We insist on repairing your car with Original Equipment Manufacturer (OEM) parts, or we’ll pay for fabricated parts if the originals aren’t available.
Your significant assets and unique lifestyle—arising from factors like owning multiple homes, employing domestic staff, and more—expose you to an above-average number of liability risks. Lost lawsuits hold the power to threaten not only your existing wealth and future earnings but also the legacy intended for future generations. Personal Excess Liability insurance can help protect that legacy against claims of personal injury, bodily injury, and property damage worldwide.
Coverage for Defense Costs. Legal defense costs are covered and do not reduce the amount available to pay damages. This includes claims of bodily injury, defamation, libel, slander, wrongful entry or eviction, emotional distress, and more. You will have the ability to choose representation from among a panel of trusted attorneys and defense counsel.
Fewer Out-of-Pocket Expenses. Coverage picks up at the dollar amount where your primary insurance policy (Homeowners, Automobile, or Watercraft) ends, reducing coverage gaps and out-of-pocket expenses. And drop-down coverage feature means that you’re protected for an entire covered loss, even if the underlying policy does not apply or is not required.
Not-for-Profit Directors and Officer Liability Coverage. Board members can be held liable for the actions or inaction of the organizations they serve, including accusations such as wrongful termination and breach of fiduciary duties. Optional Not-for-Profit Directors & Officer Liability coverage protects you as you act in your capacity as an officer for a qualifying not-for-profit organization.
Uninsured Motorist and Uninsured Personal Liability Coverage. You can also purchase Uninsured Motorist and Uninsured Personal Liability Coverage to protect against injuries or damages caused by an at-fault third party.
Collections / Valuables
The possessions you keep may be worth so much more than dollars and cents. Whether you have a vast and carefully curated art or wine collection, one or two pieces of precious jewelry or something in between, ample and customized protection is critical.
Fair Pricing that Rewards Responsibility. High net worth insurance companies offer fair pricing that rewards responsibility. They aim to charge the right price one that represents the true risk of loss, and not the highest price the market will bear. They take great care to cover your valuables’ risk precisely, and at prices designed for sustainability. This focus on the true risk of loss rewards your responsible behavior. Other factors such as updated appraisals, well-protected home safes, security systems, and a diversified valuables schedule can increase your policy savings even more.
Flexible Coverage Options. A policy allows you to choose the right type of coverage for your collection—scheduled (itemized) coverage for a collection of items with known values or blanket coverage for a wider collection of lower-value items. And no matter which type you choose, you’re covered worldwide.
The Concierge Assistance. The concierge assistance of a licensed claims representative assists in searching tirelessly for replacements for lost or damaged items. Whether this means scouring auction sites, locating a jeweler on a remote island, or commissioning a new piece from a well-known artist.
Protection Against Market Increases. A licensed claims representative can also help you schedule regular appraisals to adjust your limits in response to market fluctuations. Plus, if an item’s market value has surpassed your coverage amount at the time of a loss, they will pay losses up to 150% of the item’s scheduled value.
Flexibility for Newly Acquired Items. You can take up to 90 days to schedule newly acquired items and still know that they’re covered.
Flood and Excess Flood Insurance
Flooding is the most common natural disaster, yet flood damage is not covered by a traditional Homeowners policy. Protect your home with highly customizable coverage and a seamless claim experience.
Exceptional, Customizable Coverage. You can purchase the exact amount of protection your home needs. Every solution begins with primary flood insurance offered through the National Flood Insurance Program (NFIP). You can also purchase a broadening endorsement on your Homeowners policy that will provide coverage for things that are excluded by the NFIP, and to add higher coverage limits, you can purchase our excess flood endorsement.
Seamless Claims Response. Should you experience a loss with multiple kinds of damage, you’ll have a single point of contact who will manage the claim process on your behalf to take on any administrative tasks that arise.