Homeowner Insurance

Our Personal Lines Group provides a wide range of property and liability insurance solutions to those with a lot to protect – from Homes, Art and Jewelry, to Automobiles, Watercraft and Aircraft.

• For Your Home

You may require more or less coverage than others. We’ll work with you to provide limits that meet your precise needs. Some of the most beautiful homes are the hardest to insure. Whether you reside on the coast, in the mountains, in a gated community or on a horse farm, we have the ability to handle your complex needs. Coverage can be written with Guaranteed Rebuilding cost.  Claims can be settled in cash without any obligation to replace lost items or repair damaged property.  Personal Property can be repaired and replaced with new items without deductions for depreciation. Additional living expenses will be made available if your home becomes inhabitable after a loss.

You may also add Optional coverage enhancements to your policy including:

  • Equipment Breakdown – for the costs to repair critical home equipment due to breakdown.
  • Fraud Safe Guard – Personal Financial Loss due to identity theft, investment schemes, dishonest advisors, forgery, etc.
  • Household Safe Guard – Physical and Mental recovery following a traumatic covered event, such as kidnapping, abduction, home invasion, mugging and car-jacking or hijacking.
  • Flood Coverage – Excluded from Homeowners, this coverage can be obtained at broader coverage than offered through the National Flood Insurance Program .
  • Green Rebuilding Cost – lowers the cost to restore, repair or replace damaged property and contents of your home with “Green” materials.

• Liability

Personal Excess Liability insurance is a small but integral part of your overall financial plan. For instance, a car accident where a passenger is injured can quickly eat through the limits of a basic auto policy – leaving your hard earned assets exposed.

Personal Excess Liability insurance kicks in after the liability limits in an underlying policy (homeowners, auto, etc.) are depleted.

  • Coverage is Worldwide
  • Coverage is available in $1 Million increments, so you can select the precise amount you desire.
  • In some instances, some Excess Policies will respond to more situations than the underlying policy can. When that occurs, you will still be covered.

• Automobile

Personal Automobile Insurance can be written to include all types of vehicles – cars you drive everyday, vintage, antique and collector cars, motorcycles, motor homes, all-terrain vehicles, golf carts and more on one policy.

Policies can be written with additional features such as:

  • Agreed Value – at the onset of the policy we work with you to determine the value of your vehicle. If a covered total loss occurs, you’ll receive that agreed upon amount regardless if the value of your car has depreciated.
  • New car replacement – If a new vehicle is totaled within three years of its purchase, you can opt to receive the agreed value, replace it with a vehicle of the same year, make and model; or receive a new vehicle of the same make and like model.
  • Superior Rental Car reimbursement – Some carriers offer up to $12,500 rental reimbursement coverage which allows you to rent a comparable vehicle to your own while yours is being repaired.

• Scheduled Personal Property – Collections

Whether you collect Fine Art, Antique Furniture, Jewelry, Wine, Vintage Cars or Memorabilia, we can craft a competitively priced policy with the coverage you require.

• Watercraft Insurance

Whether cruising the Atlantic or Mediterranean or sailing close to home, we can provide coverage. Our underwriters truly understand Boats and the needs of their owners.

Access solutions related to private staff, family offices, international travel and more:

• Worldwide Travel

Trip Cancellation coverage, Emergency Medical Treatment while abroad and more.

• Kidnap, Ransom & Extortion

Whether traveling abroad, establishing a residence overseas or pursuing international business opportunities, we can provide protection against the threats you may encounter.

• Solutions for Employers of Private Staff

  • Workers Compensation Insurance – for housekeepers, assistants, gardeners and nannies.
  • Employment Practices Liability Insurance – Responds to claims of wrongful termination, sexual harassment, discrimination and other suits brought forward by domestic employees.

• Private Aviation

Access Broad Coverage including liability, physical damage, property damage, passenger injury and more – for virtually all types of aircraft. Our Aviation Underwriters are qualified to provide customized coverages for:

  • Owned Aircraft (jets, helicopters and light aircraft).
  • Excess Liability for fractional aircraft ownership.
  • Excess Liability for managed aircraft.
  • Non-Owned aircraft hull and liability.
  • Airport Liability for private strips.
  • Workers Compensation for pilots and ground crew.