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Top High Net Worth Insurance Companies
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.
Top 3 Ways (Hacks) to Reduce High Value Home Insurance Costs
In many cases, high-value home insurance costs less per dollar of coverage compared to standard home policies. On the other hand, there’s more to insure, so coverage costs can add up quickly. The good news is that your high-value policy offers more ways to...
Luxury Home Insurance: Finding the Right Policy
The recent real estate run-up saw higher home values in all segments, but luxury homes are among the biggest gainers. Sales of homes valued at over $1 million increased over 80% from 2020 to 2021, according to the National Association of Realtors Sales prices are...
7 Important Things to Consider When Purchasing Yacht Insurance
Your gorgeous yacht probably didn’t come cheap. So, it goes without saying that choosing the right yacht insurance coverage matters. Before setting sail, here’s a list of things to consider when picking out the right plan for you. An Overview: Yacht Insurance...
National Flood Insurance Rate Changes for 2022
The flood insurance market saw significant changes in 2021, with the two-phase rollout of Risk Rating 2.0 from the National Flood Insurance Program (NFIP) setting the stage for flood insurance rates in 2022. Most homeowners who carry flood coverage insure for flood...
Does Inflation Impact My Homeowners Insurance?
The recent spike in inflation affects nearly every aspect of life, including insurance costs. But inflation can also affect how well your home is protected against common losses, such as fires, burst pipes, and other risks covered by a standard home insurance...
High-Value Home Insurance vs. Standard Home Insurance
For homes with a rebuild value of $1 million or more, you can choose a high-value home insurance policy instead of standard home insurance. The choice of a high-value home policy brings many compelling advantages, ranging from broader liability insurance coverage...
NFIP Flood Risk Rating 2.0 – What it Means for You
4 min read. September, 29, 2021 – by David Clausen Although several new private market flood insurers have entered the market in recent years, FEMA’s National Flood Insurance Program (NFIP) still serves as the base policy for most homes insured for flooding. The...
High-Value Home Insurance: PURE Insurance vs. Vault
Hundreds of insurers compete for the U.S. home insurance market, but a select group of providers specializes in the high-value market catering to high-net-worth households. Off-the-shelf products from broad-market insurers can miss key risks for affluent families....