High Net Worth Insurance
Specialized coverage for high-value homes, collections, and significant assets that standard policies can't adequately protect.
High net worth insurance goes beyond standard homeowners and auto coverage to protect substantial assets, valuable collections, and complex estates. If your home is valued over $1 million, you have significant jewelry, art, or wine collections, or your net worth exceeds what standard policy limits can protect, you need specialized coverage.
Standard homeowners policies cap coverage for jewelry, art, firearms, and other valuables at low sub-limits — often $1,500 to $5,000. High net worth policies offer agreed-upon value for your home (no depreciation disputes after a loss), blanket coverage for personal property, and significantly higher liability limits.
These policies also include concierge-level claims service, coverage for domestic staff, identity theft protection, and coverage that travels with you — including international coverage for your belongings. We work with carriers that specialize in high-value clients and understand the nuances of protecting significant wealth.
Key Features
- Agreed-upon home value — no depreciation disputes after a loss
- Blanket coverage for jewelry, art, wine, and collections without individual scheduling
- Higher liability limits — $1 million or more
- Identity theft and cyber protection
- Worldwide coverage for belongings — including international travel
Who Needs This?
- Homeowners with properties valued over $1 million
- Individuals with significant jewelry, art, wine, or collectible collections
- High net worth individuals who need liability protection beyond standard limits
- Families with domestic staff, multiple properties, or complex estates
Ready to Get High Net Worth Insurance Coverage?
Call 303-994-7814 or start your quote online.
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