High net worth insurance is not standard personal insurance with higher limits. It is a fully customized solution built around your specific assets, lifestyle, and risks — bringing multiple areas of coverage together into one comprehensive program.

A private client insurance program typically includes:

• Primary and secondary homes
  
• Fine art, jewelry, and collectibles
  
• Automobiles — including agreed value and choice of repair shop
  
• Recreational vehicles, watercraft, and aircraft
  
• Domestic staff — nannies, housekeepers, landscaping crews
  
• Special events and international travel
  
• Identity theft protection
  
• Life insurance
  

Coverage extends to other countries, making it ideal for clients with international property or frequent travel.

Standard policies use off-the-shelf terms that were not designed for complex asset portfolios. High net worth insurance is different in meaningful ways:

• Your vehicle can be insured at agreed value — you and the carrier agree on the payout amount upfront, rather than settling for depreciated market value at the time of a loss
  
• Vehicle repairs can be completed at the shop of your choice using factory-original parts
  
• Policies are structured around your individual risk profile, not generic coverage tiers

If you own multiple properties, valuable collections, watercraft, or employ household staff, your risks go beyond what a standard personal lines policy was designed to handle. One comprehensive private client program is often more effective — and more cost-efficient — than managing multiple separate policies.

Contact us today to discuss a coverage program built around your lifestyle, assets, and the risks that matter most to you.

Updated June 2026 by Christy Hogan