Elite insurance programs from Chubb, PURE, and top carriers. Designed for high-value homes, luxury vehicles, fine art, and everything you've built.
Why Standard Policies Fall Short
Standard homeowners policies were designed for average homes. High net worth programs are built differently — in ways that matter at claim time.
Standard policies have a fixed coverage cap. If construction costs have risen — and in California they have, significantly — you're underinsured. Elite programs pay whatever it actually costs to rebuild, with no limit.
Fine art, jewelry, wine, antiques, and collections need scheduled coverage. Elite programs include these with agreed value, no depreciation, worldwide coverage, and often no deductible.
With standard carriers, you enter a claims queue. With Chubb or PURE, you get a dedicated adjuster, faster resolution, and cash settlement options — including the option to not rebuild and take a check.
AIG and Chubb provide physical wildfire defense services — private crews that treat and protect your home when a fire approaches your area. This is not available through standard carriers.
High net worth individuals face higher liability exposure — multiple properties, household staff, prominent profiles. Umbrella coverage from $5M to $10M+ protects your assets and income from large claims.
Chubb and PURE include cyber protection covering ransomware, cyber extortion, online fraud, and identity theft — risks that are increasingly common for high-profile individuals.
Coverage Explorer
Click any category to see the specifics of what elite programs cover — and how they compare to standard policies.
Side by Side
| Coverage Feature | Standard HO3 | Standard HO5 | ✦ Elite HNW Program |
|---|---|---|---|
| Dwelling Coverage | Fixed limit only | Fixed limit only | ✦ Guaranteed replacement — no cap |
| Rebuild Cost Guarantee | — | — | ✦ Full guaranteed replacement cost |
| Cash Settlement Option | — | — | ✦ Take cash instead of rebuilding |
| Fine Art Coverage | Very limited | Optional rider | ✦ Scheduled, worldwide, agreed value |
| Jewelry Coverage | ~$1,500 limit | Optional rider | ✦ Full value, no deductible |
| Wildfire Defense Service | — | — | ✦ Physical crews protect your home |
| Umbrella Available | Up to $5M typical | Up to $5M typical | ✦ Up to $10M+ available |
| Cyber Protection | — | — | ✦ Ransomware, fraud, ID theft |
| Claims Handling | Standard queue | Standard queue | ✦ Dedicated adjuster, priority service |
| Household Staff Liability | — | — | ✦ Employers liability included |
| Temporary Housing | Limited | Limited | ✦ Unlimited, comparable standard |
California Wildfire Reality
Luxury homes in hillside, coastal, and WUI zones are at highest risk — and most underserved by standard carriers who have been quietly exiting California.
Chubb and AIG provide private crews who physically defend your property when a fire threatens your area — treating structures, clearing fuel, and monitoring throughout the event.
After the 2025 LA fires, many homeowners discovered their coverage cap was far below actual rebuild costs. Elite programs eliminate this risk entirely with guaranteed replacement.
We read every policy before placing it. If a carrier has added wildfire exclusions or sub-limits, we find it before you sign — not at claim time.
Most high-value homeowners in California don't know the answer to that question. We'll tell you — clearly, honestly, and at no cost.
Get a Confidential ReviewQuestions Answered
High net worth insurance refers to specialized programs from elite carriers like Chubb and PURE designed for affluent individuals. If your home is worth $2M+, you have significant valuables, multiple properties, or substantial personal liability exposure — standard policies almost certainly leave meaningful gaps.
Guaranteed replacement cost means the carrier pays whatever it actually costs to rebuild your home — no cap. Standard policies have a fixed dollar limit. With construction costs in California up 40%+ since 2020, many homeowners discover at claim time that their limit is far short of actual rebuild cost. Elite programs eliminate this entirely.
A general rule of thumb is coverage equal to your total net worth. For high net worth individuals, that typically means $5M to $10M or more. Factors include number of properties, household staff, business activities, vehicles, and public profile. We help you assess the right level for your specific situation.
Yes — both Chubb and PURE continue to write policies in high-risk California zones where standard carriers have withdrawn. Beyond coverage, Chubb and AIG provide physical wildfire defense services that actively protect your property during fire events.
Elite programs include scheduled personal property coverage for fine art, jewelry, wine collections, antiques, and other valuables. Coverage is typically agreed value (no depreciation), worldwide, and often with no deductible. We help you document and schedule items properly at the time of placement.
Completely. We review your existing coverage, identify any gaps, and present options — with full discretion. We work with many high-profile clients across California and understand the importance of privacy throughout the process.
Ready to Review Your Coverage?
We review what you have, identify any gaps, and present elite carrier options — with complete discretion and zero pressure.