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High value & coastal homes

Your one-of-a-kind home reflects you and your family. If you experience a claim, you deserve more than just a check from your insurer—you need the ability to rebuild without hassles or delays. We can help ensure you are covered with a Cash Settlement option and Guaranteed Replacement Cost.

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Replacement Cost Home Contents

Given the value of your high-end possessions, and the constant increase in prices, having Replacement Cost on your insurance policy is imperative to help protect your belongings in the event of a loss.

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Exotic, Classic, AND Collector Vehicles

Whether you have one or many high-value, rare, or exotic cars, you require insurance tailored to their unique traits and usage. Our premier carrier partners offer choices and features not typically found in standard policies, like “Agreed Value” and “Comparable Rental.” From repair to rental, we will ensure your standards are met.

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Watercrafts & Yachts

Your boat or watercraft is a valuable asset and needs to be protected in water and on land. Our partners offer unparalleled protection for small boats, yachts, luxury mega-yachts, paid-crew vessels, and more. We can make sure you and your boat are protected in domestic and international waters.

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Aircrafts

There are many variations, exclusions, and coverage differences between private jet insurance policies, and premium costs are driven by factors such as aircraft type, pilot track record, hanger location, and more. We partner with premier carriers and will ensure you have the right protection.

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Collections & Valuables

Your irreplaceable items and collections require protection above your standard homeowners’ policy. Our carriers offer fair pricing that rewards responsibility, flexible options such as scheduled or blanket coverage, losses paid up to 150% of an item’s scheduled value, automatic coverage for new items, and much more.

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Flood & Excess Flood

Flooding is the most common natural disaster, yet flood damage is not covered by traditional homeowner’s policies. We will ensure your home is protected with customizable coverage, exceptionally higher limits, and a seamless claims response via one carrier for your homeowner’s AND flood coverage.

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EQUIPMENT BREAKDOWN

Equipment breakdown provides coverage above and beyond warranties and service contracts to repair or replace damaged systems such as heating, air conditioning, hot water, electrical systems, and more.

High-value asset coverages are different from traditional coverages, and HNW carriers have more capabilities and a higher capacity for coverage limits. We partner with the best carriers in the HNW market so we can offer our affluent clients the protection they need.

Mark Lauria

EVP, World Private Client Group