Built for what
you've earned.
High-value insurance reviews for California households with luxury homes, vehicles, fine art, jewelry, umbrella liability needs, and other complex exposures.
Why Standard Policies Fall Short
Your assets deserve coverage
that matches their value
Standard homeowners policies were designed for average homes. High net worth programs are built differently — in ways that matter at claim time.
Replacement Cost Review
Standard policies are often built around stated dwelling limits. For higher-value California homes, replacement cost, extended replacement cost, and any available guaranteed replacement features should be reviewed carefully before a claim.
Valuables Covered As-Is
Fine art, jewelry, wine, antiques, and collections may need scheduled or valuable articles coverage. Agreed value, deductibles, worldwide coverage, and appraisal requirements should be reviewed before placement.
White-Glove Claims Service
Higher-value programs may offer more specialized claims handling, dedicated adjuster support, and settlement options depending on the carrier and policy form. These details should be confirmed before binding.
Active Wildfire Defense
Some private client markets may offer wildfire risk-management or loss-prevention services depending on location, underwriting, and current market availability. Availability should be confirmed for each property.
Umbrella to $10M+
High-net-worth households often have higher liability exposure from multiple properties, household staff, vehicles, public profile, or business activities. Umbrella limits in the $5M to $10M+ range may be worth reviewing.
Personal Cyber Protection
Some high-value programs may include or offer personal cyber protection for online fraud, identity theft, cyber extortion, or related risks. Coverage varies by carrier and endorsement.
Coverage Explorer
Select a coverage area
to see exactly what's included
Click any category to see the specifics of what elite programs cover — and how they compare to standard policies.
Side by Side
Standard vs Elite Coverage
| Coverage Feature | Standard HO3 | Standard HO5 | ✦ Elite HNW Program |
|---|---|---|---|
| Dwelling Coverage | Fixed limit only | Fixed limit only | ✦ Guaranteed replacement — no cap |
| Replacement Cost Guarantee | — | — | ✦ Replacement cost options reviewed |
| Cash Settlement Option | — | — | ✦ Cash settlement may be available |
| Fine Art Coverage | Very limited | Optional rider | ✦ Scheduled / valuable articles options |
| Jewelry Coverage | ~$1,500 limit | Optional rider | ✦ Scheduled coverage options |
| Wildfire Defense Service | — | — | ✦ Wildfire risk services may be available |
| Umbrella Available | Up to $5M typical | Up to $5M typical | ✦ Up to $10M+ available |
| Cyber Protection | — | — | ✦ Cyber, fraud, ID theft options |
| Claims Handling | Standard queue | Standard queue | ✦ Specialized claim handling may apply |
| Household Staff Liability | — | — | ✦ Household staff coverage options |
| Temporary Housing | Limited | Limited | ✦ Loss of use terms reviewed |
California Wildfire Reality
High-value homes face
greater exposure
Luxury homes in hillside, coastal, and wildfire-exposed areas can face more difficult underwriting, limited carrier appetite, and higher replacement-cost concerns.
Private Wildfire Defense
Some private client markets may offer wildfire risk-management services or loss-prevention support in eligible areas. Availability depends on the property, carrier, and current underwriting rules.
True Replacement Cost
After major California wildfire events, many homeowners discover their dwelling limits may not match actual rebuild costs. Higher-value programs may offer stronger replacement-cost options, subject to policy terms.
No Surprise Exclusions
We review policy forms, wildfire limitations, exclusions, sub-limits, and carrier terms before placement so you can understand the tradeoffs before binding.
Is your current policy enough?
Many high-value homeowners are unsure whether their limits, exclusions, and loss-of-use terms match their actual exposure. We can review your current setup clearly and confidentially.
Get a Confidential ReviewQuestions Answered
High net worth insurance explained
High net worth insurance refers to specialized coverage programs for households with higher-value homes, valuables, multiple properties, household staff, or substantial personal liability exposure. If your home is worth $2M+ or your coverage situation is complex, a standard policy may leave meaningful gaps.
Guaranteed replacement cost generally means the carrier may pay the covered cost to rebuild even if that cost exceeds the stated dwelling limit, subject to policy terms, eligibility, and underwriting. Availability varies by carrier and property, so it should be confirmed in the actual policy form.
The right umbrella amount depends on your assets, properties, vehicles, household staff, business activities, and public exposure. Many high-net-worth households review limits in the $5M to $10M+ range, but the right number should be tailored to the individual situation.
Some high-net-worth markets may offer wildfire coverage or wildfire risk services in California depending on location, mitigation, underwriting, and current carrier appetite. Each property and policy form should be reviewed individually.
Fine art, jewelry, wine collections, antiques, and other valuables are often handled through scheduled personal property or valuable articles coverage. Appraisals, agreed-value terms, deductibles, and worldwide coverage options should be reviewed before binding.
Completely. We review your existing coverage, identify any gaps, and present options — with full discretion. We understand the importance of privacy throughout the process.
Ready to Review Your Coverage?
Confidential. No obligation.
Just clarity.
We review what you have, identify any gaps, and present elite carrier options — with discretion, clarity, and no pressure.