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Personal coverage

High Net Worth / Private Client Insurance

As homes, collections, and personal liability grow more complex, standard policies leave gaps in coverage limits and can drastically underinsure a high-value estate. Private client insurance is built for substantial assets, offering higher rebuilding limits, broader worldwide coverage for valuables, and the elevated liability protection needed when your net worth makes you a larger target for lawsuits.

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Who this coverage is for

This is for individuals and families with substantial assets whose insurance needs go beyond standard, one-size-fits-all policies. It brings together higher limits, broader protection, and personalized service designed around complex homes, collections, and lifestyles.

What it can help protect

Private client coverage coordinates protection across your life:

  • Premium homes — coverage sized for high-value primary and secondary residences.
  • Valuable collections — protection for jewelry, art, wine, and other significant possessions.
  • Higher liability limits — larger umbrella protection to match a greater potential exposure.
  • Specialty risks — coverage for items like yachts, staff, or unique property, when needed.
  • Coordinated service — a single, tailored program rather than several disconnected policies.
Regularly misunderstood coverages
Scheduled Personal Property vs. Homeowners Contents Limits

Scheduling high-value items vs. relying on blanket limits.

Related comparisons:

Key choices and underwriting factors

A licensed review will usually focus on property schedules and asset mix, household staff or frequent entertaining, and preferred service model and claims expectations.

Common Questions