Homeowners, Flood & High-Value Insurance News
The Final Blow: Ian Further Destabilizes Florida Insurance Market and Home Values
As parts of Florida continue to cleanup following the devastation of Hurricane Ian, insurers and real estate markets may be among the ruins. Excluding flood insurance claims, insured loss estimates now top $80 billion and could continue to increase as insurers assess...
The COMPLETE Guide to Private Client Insurance
If you compare standard insurance policies from broad-market companies, beneath the marketing slogans, you’ll find many policies are similar. Often, they share the same limitations, capping coverage limits for homes and personal liability insurance. Broad market...
High Net Worth Insurance: The COMPLETE Guide
High net worth insurance is a liability-centric, niche insurance product specifically designed to protect the unique lifestyles of the world’s wealthiest individuals. While it sounds like one policy, in practice, high-net-worth insurance is typically comprised of two...
Neptune Flood Insurance (Private) vs. FEMA’s National Flood Insurance Program (Public)
When most people think of flood insurance, they think of the National Flood Insurance Program (NFIP) offered by the Federal Emergency Management Agency (FEMA). However, there is another option - private flood insurance. Private flood insurance is offered by insurance...
Here’s Why Your High Value Home Insurance Rates Are Going Up
Everywhere you look these days, you’ll find costs rising. home insurance rates, just like the cost of homes themselves, are among those rising costs. But for many households, the rising costs of homeowners insurance rates have yet to impact them directly. Along with...
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.
Neptune Flood Insurance Quote
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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 customize,...
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 one...