By David Clausen • High Value Home Insurance
Updated November 4th, 2025 • 9 min read
High-net-worth (HNW) insurance is a liability-centric portfolio, multiple coordinated policies and layers, built to protect complex lifestyles and significant assets. The foundation is typically a high-value home (or condo/co-op) policy with broader terms and higher limits than mass-market forms. Around that core, families often add personal excess/umbrella, valuables (fine art, jewelry, wine), high-value/collector auto, and yacht/watercraft, all tuned to the client’s risk profile and often serviced with concierge-level claims and risk consulting.
HNW households frequently own multiple residences (often $1M+ rebuild values), secondary coastal or lake properties with wind/flood exposure, and curated collections that require professional valuation and scheduling. Cyber and identity exposures, domestic staff considerations, and cross-border living also push coverage needs well beyond standard homeowners forms. Properly structured, a private-client package closes gaps, increases limits, and simplifies claims, and, when bundled, can be more efficient than trying to retrofit a standard carrier.
Below are seven leading HNW insurers/programs for 2025. Each brings different strengths, claims philosophy, engineering services, appetite by geography, and financial profile. Work with a private-client advisor to match your portfolio to the right market (or mix of markets).
Coverage Considerations for High Net Worth Homeowners
High value homes (residences with a rebuild cost exceeding $1,000,000) come with many custom coverage considerations beyond just the need for higher limits. Often these homes feature a lavish outdoor living area including pools, hardscapes, guest houses, and caretaker living quarters. It’s also typical for affluent families to passionately collect and protect expansive art, wine, and jewelry collections, all of which should be valued by appraisal and scheduled on a personal articles floater.
Secondary lake and beach homes require specialized coverage to account for windstorms and flooding. Vacation properties, multinational residences, and villas come with a separate set of considerations in a high net worth insurance package. Luxury, exotic, antique, and collector automobile insurance can be combined under one policy for a discount.
Of course, liability is of utmost importance for a high net worth family. Broad liability coverage, high limits and even cyber liability coverage options are available under most high net worth insurance packages. Traditional home insurance may leave costly coverage gaps. With high net worth insurance, that same homeowner can be covered by a custom-designed package, including higher coverage limits, excess liability, and specialized policy features.
The high net worth insurance package can offer broad language, provide custom coverage and is often less expensive than attempting to increases coverage and limits on a traditional home insurance policy. It’s also not always possible to package together multiple homes, automobiles and watercrafts with a standard home insurance policy, especially across multiple states. With a high net worth insurance package, the more individual policies you add to the package, the more savings you can realize.
Top 7 High Net Worth Insurance Companies
In the high net worth insurance market, a handful of companies rise to the top, offering flexible protection to cover more types of losses combined with higher coverage limits for your home, belongings, and liability risks. Our concierge team of private client insurance advisors have hand-picked the finest insurance carriers focused on the unique needs of high net worth families for this list.
PURE Insurance
About PURE
PURE (Privilege Underwriters Reciprocal Exchange) is one of the most recognizable names in high-net-worth insurance today. Structured as a policyholder-owned reciprocal, PURE exists solely for the benefit of its members, affluent families and individuals who expect more from their insurer than just a claims check. The company’s focus on transparency, fairness, and proactive risk management has made it a top choice among successful households across the United States.
Coverage Options
PURE offers comprehensive protection for high-value homes, luxury automobiles, valuable collections, watercraft, flood, and personal excess liability. Members also have access to specialized endorsements such as guaranteed replacement cost for homes, flexible rebuilding or cash-out options after a loss, and built-in jewelry coverage that starts at $50,000. PURE also leads the industry in preventive benefits,offering financial contributions toward leak detection systems, whole-home generators, or similar loss-prevention upgrades following a claim.
Why Choose PURE
Homeowners choose PURE for its concierge-style service and member-centric philosophy. Because policyholders effectively “own” the reciprocal, the company’s priorities align directly with its members’ best interests. PURE’s claims handling and loss-prevention team are consistently rated among the highest in the industry, with retention rates exceeding 95%. It’s the insurer for those who value responsiveness, fairness, and tangible partnership.
A Brief History
Founded in 2006 and headquartered in White Plains, New York, PURE was created to modernize how high-net-worth insurance is delivered. Backed by the global financial strength of Tokio Marine Group, PURE has grown rapidly over the past two decades and now insures thousands of the nation’s most valuable homes and collections.
Chubb Masterpiece®
About Chubb
Chubb’s Masterpiece program has long set the benchmark for high-net-worth personal insurance. As the largest publicly traded property and casualty insurer in the world, Chubb brings unmatched global expertise, financial stability, and an unwavering commitment to protecting what matters most to successful families.
Coverage Options
The Masterpiece suite covers luxury homes, fine art, jewelry, autos, and worldwide personal liability. Its hallmark features include extended replacement cost, ensuring a home is rebuilt to its original specifications even if costs exceed the limit, and cash settlement flexibility for homeowners who choose not to rebuild. Chubb’s risk-engineering division conducts in-home appraisals, offering proactive fire prevention, water-leak detection, and security recommendations before a loss occurs.
Why Choose Chubb
Chubb’s strength lies in its claims culture and global consistency. When disaster strikes, clients don’t just receive compensation, they’re restored to their pre-loss lifestyle with minimal disruption. Its scale and expertise allow for coverage on properties across multiple states and countries, making it ideal for families with complex, international holdings.
A Brief History
Tracing its roots back to 1882, Chubb has evolved into a global insurance powerhouse operating in more than 50 countries. Its acquisition by ACE Limited in 2016 and subsequent rebranding to Chubb Limited solidified its position as a leader in the high-value segment, with the Masterpiece policy remaining its flagship personal insurance product.
Cincinnati Insurance – Executive Capstone™
About Cincinnati
The Cincinnati Insurance Companies combine small-town integrity with big-company financial muscle. Through its Executive Capstone™ program, Cincinnati caters specifically to high-net-worth clients who want personalized service and stable, long-term relationships with their insurer.
Coverage Options
Executive Capstone™ provides tailored coverage for homes with reconstruction values of $2 million or more, along with policies for collector vehicles, fine art, jewelry, and watercraft. Liability limits can extend well into the multi-million-dollar range, complemented by optional umbrella protection up to $25 million. Coverage is built through appointed independent agencies, allowing a more bespoke and locally guided approach.
Why Choose Cincinnati
Cincinnati’s appeal lies in its reliability. Rated A+ (Superior) by A.M. Best, the company emphasizes stability over marketing hype. For affluent families seeking a relationship-driven insurer that will still be there decades down the road, Cincinnati provides a reassuring combination of strength, personal attention, and transparent underwriting.
A Brief History
Founded in 1950, Cincinnati Insurance has grown to become one of the top 25 property-and-casualty insurers in the U.S. Its Executive Capstone™ line was developed to serve the growing needs of affluent households seeking individualized attention without sacrificing coverage depth or claims responsiveness.
Vault Insurance
About Vault
Vault was created specifically for the high-net-worth market, offering a modern approach to luxury asset protection. Its hybrid structure, operating both as a reciprocal exchange and through excess-and-surplus (E&S) lines, gives Vault flexibility to insure homes and risks that many traditional carriers avoid.
Coverage Options
Vault provides custom policies for luxury homes, autos, yachts, collections, and umbrella liability. The company offers both admitted and E&S solutions, meaning clients in challenging regions, such as coastal Florida, California, or the Northeast, can still access comprehensive coverage. Vault also offers advanced risk-management services like infrared home scans, horticultural evaluations, and lightning-suppression systems.
Why Choose Vault
Vault stands out for its agility and service model. It was built to eliminate the bureaucracy of legacy insurers, offering concierge-level claims and quick decision-making. Clients appreciate its ability to tailor coverage for unique or high-risk properties without compromising service quality.
A Brief History
Founded in 2017 in St. Petersburg, Florida, by a team of former high-net-worth insurance executives, Vault quickly gained traction in coastal markets. Supported by Cornell Capital and Hudson Structured Capital, Vault has expanded nationwide while maintaining its boutique, member-first philosophy.
National General Premier (Allstate)
About National General
National General, part of the Allstate family of companies, offers high-value personal lines through its Premier program. It bridges the gap between standard homeowners insurance and true private-client coverage, giving affluent homeowners a more accessible entry into high-limit protection.
Coverage Options
NatGen Premier policies are available for homes valued at $750,000 and above. Coverage includes guaranteed replacement cost, unlimited loss-of-use benefits, cash-out settlement options, and service line or equipment breakdown endorsements. Policies can be bundled with auto, umbrella, and valuables coverage for additional savings.
Why Choose National General
The Premier program is ideal for homeowners who have outgrown standard coverage but may not need a fully bespoke HNW package. It provides many of the same coverages found in pure private-client programs, at a more moderate premium, and benefits from Allstate’s national claims infrastructure and financial strength.
A Brief History
National General traces its roots to 1920 and was formerly known as GMAC Insurance. In 2021, it became part of the Allstate Corporation, leveraging Allstate’s scale and stability while retaining its own specialized programs like Premier Client Home.
Private Client Select (formerly AIG Private Client Group)
About PCS
Private Client Select (PCS) carries forward the legacy of AIG’s long-standing Private Client Group, now operating as an independent managing general agent. PCS focuses exclusively on ultra-high-net-worth individuals, providing bespoke solutions for those whose assets span multiple homes, vehicles, collections, and international holdings.
Coverage Options
PCS continues to offer comprehensive coverage for high-value homes, fine art, jewelry, yachts, private aircraft, and extensive umbrella liability. Their approach integrates advanced risk management, often including in-person engineering inspections and custom disaster-preparedness plans for luxury estates.
Why Choose PCS
PCS is tailored for clients with truly complex portfolios. With access to global markets and seasoned underwriters from AIG’s former private-client team, PCS delivers the same elite expertise with the agility of an independent platform. It’s particularly strong for large placements and households with sophisticated financial structures.
A Brief History
AIG’s Private Client Group was a pioneer in the luxury insurance market, insuring more than half of the Forbes 400 and many of the world’s leading art collectors. In 2023, AIG spun off the division into a new entity, Private Client Select, in partnership with Stone Point Capital, ensuring continuity of expertise with renewed focus and flexibility.
Nationwide Private Client (exiting market)
About Nationwide Private Client
Nationwide’s Private Client division once catered to affluent homeowners seeking elevated service within a familiar, mainstream brand. Its programs offered enhanced home, auto, and liability coverage along with personalized claims handling.
Coverage Options
Policies typically included high-limit homeowners coverage, valuables scheduling, umbrella protection, and concierge claims services. Nationwide also provided a risk-solutions program for loss prevention and identity-protection assistance.
Why Choose Nationwide (if transitioning)
While Nationwide Private Client is winding down operations, existing policyholders can still benefit from its strong claims support during the transition. The brand’s exit underscores the importance of working with a private-client specialist who can seamlessly move coverage to comparable HNW carriers like PURE, Chubb, or Cincinnati.
A Brief History
Founded in 1926 as a mutual auto insurer, Nationwide grew into one of the largest insurance and financial-services companies in the United States. Its Private Client program launched to meet the needs of affluent families but began winding down in 2024 as Nationwide refocused on its core lines of business.
Where Can You Get High Net Worth Insurance?
High net worth insurance packages are exclusively customized and sold via independent insurance agents. Only a limited number of handpicked agencies with longstanding private client insurance experience are appointed to partner with these exclusive insurance companies to offer bespoke high net worth insurance.
A small number of premier insurance companies offer these products tailored to the unique needs of high net worth families. Chubb, PURE Insurance, Cincinnati Insurance, AIG Private Client, VAULT, and National General are all highly regarded insurance companies with products reserved for high net worth homeowners.
If you own a high value home, we recommended speaking with our team of state-licensed advisors to learn more about high net worth home insurance packages. With Coastal Insurance Solutions, our team of advisors will partner with you to tailor a package to your unique needs and compare quotes from the finest high net worth home insurance companies.
High net worth households require more than simply higher coverage limits to properly protect their hard-earned lifestyles. From high value home insurance to coverage for luxury cars, valuable collections, and watercraft, the top 6 high net worth insurance carriers offer products specifically designed for the exceptional needs of high net worth individuals.
Standard home insurance bundles designed for the mass market may leave you exposed with coverage gaps. At Coastal Insurance, we work with high-net-worth individuals and families across the nation to build a comprehensive insurance package that address your specific needs without compromise. Partner with Coastal Insurance Solutions to tailor a custom insurance package and compare rates from all of the top 6 high net worth insurance companies. If you need coverage or it’s time for an insurance review, reach out to our experienced private client advisors to learn the best ways to safeguard your home and family. Protecting your legacy is our top priority.
KEY Takeaways
- Pure High Net Worth Insurance, Cincinnati’s Executive Capstone Package, Chubb’s Masterpiece Insurance Package, AIG Private Client Group, National Generals Premier Package, VAULT High Net Worth Insurance and Nationwide Private Client are the top 7 high net worth insurance companies.
- High net worth families with homes with rebuild values over $1,000,000 require a specialized high value home insurance policy at the center of a high net worth insurance package.
- Individual policies in the high net worth insurance package can be surrounded by an excess liability policy commonly known as an umbrella liability policy.
- High net worth families include many policy under their insurance package including: Luxury automobiles, Exotic Cars, Antique Auto Collections, Collections, Watercraft, Yachts, Jewelry, Fine Arts, Musical Equipment and more.
- Our team of private client advisors at Coastal Insurance Solutions can help you compare and customize your high net worth insurance package from all 6 of the top high net worth insurance companies.
The Cost to Insure a Multimillion-Dollar Home
Frequently Asked Questions
Which HNW insurer is “best” in 2025?
There’s no universal winner. Chubb excels in breadth and claims; PURE in member experience and retention; Cincinnati in stability; PCS in complex placements; Vault for admitted/E&S flexibility; NatGen Premier for affluent (but not ultra-complex) homes. Match your geography, home specs, collections, and risk tolerance to the carrier’s appetite.
Did AIG’s Private Client Group go away?
AIG restructured and rebranded the business as Private Client Select (PCS), an independent MGA in partnership with Stone Point. Many of the same leaders and underwriters continue the focus on HNW/UHNW risks.
What happened to Nationwide Private Client?
Nationwide announced plans to retire the Private Client brand and exit HNW personal lines, initiating non-renewals in certain states beginning in 2024. If you’re impacted, start a re-placement strategy well ahead of renewal.
Are these carriers still offering extended or guaranteed replacement cost?
Yes, offerings vary by carrier and state, but Chubb publicly highlights extended replacement cost and code-upgrade coverage on Masterpiece. Comparable options exist across other HNW markets; confirm specifics in your proposal.
How do financial ratings look in 2025?
Cincinnati’s group holds A+ (Superior); Vault is A- (Excellent) with an affirmed outlook; PURE continues to report strong retention and satisfaction metrics under Tokio Marine ownership. Always review current A.M. Best/agency ratings at binding.
