High Net Worth Insurance

High net worth insurance tailored to your unique risks, assets, and lifestyle.

If you have more to protect, a high net worth insurance policy may help protect your large assets and cover your risks.

Protect your wealth with a high net worth insurance policy.

Despite the name, high net worth insurance isn't simply a variation on ordinary personal insurance with higher coverage limits and higher premiums. Instead, it's about recognizing that people with large assets have unique coverage needs.

Combines coverages based on your needs.

One way this type of insurance responds to this challenge is by bringing multiple areas of coverage and expertise together into a comprehensive insurance solution based on your individual needs. This usually includes coverage for your home or homes, vehicles, travel, and even life insurance. The solution is designed for your particular risks, assets, and lifestyle rather than simply combining off-the-shelf policy terms and conditions.

A real-world example of how high net worth insurance works.

High net worth insurance is unique in how it is designed, and it shows in the way that it works. For example, you may want to look for insurance coverage that helps cover the costs to repair a damaged vehicle using the repair shop of your choice and factory-original parts. You may also want to have your vehicle insured for the agreed value rather than the market value. This means that you and the insurance company agree to the payout amount upfront in the event of a total loss claim.

Does your policy cover you while traveling?

Not all insurance companies offer coverage that extends to people who frequently travel outside of the country, so it's important to select a policy that includes options such as auto liability, kidnap, ransom, and medical evacuation coverage.

Does your policy include coverage for your secondary home?

If you own multiple homes, you'll need a high net worth insurance policy that extends liability coverage to your secondary home. Excess liability coverage may also be added for additional liability limits.

Specific coverage options for unique risks.

Of course, there are other unique risks to consider that might be more customized to your lifestyle. Household help, such as nannies or landscaping crews, identity theft, international travel, and more all have specialized insurance solutions to help protect your wealth.

Do you have more to protect? High net worth insurance may be tailored to meet the needs of your unique lifestyle. Contact us to go over your coverage options.

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