Personal Insurance
Your Home Deserves
More Than Standard
High-value homeowners coverage built around your property's construction quality, contents, and the lifestyle it supports — not a one-size-fits-all policy.
Standard carriers undervalue exceptional homes. We make sure your coverage reflects what your property actually costs to rebuild and restore.
Our Process
Appraise. Benchmark. Protect.
We evaluate your home's replacement cost, contents value, and liability exposure against what your current policy actually covers — surfacing the gaps that matter.
Our advisors review your current homeowners policy against an accurate replacement cost estimate, contents inventory, and your full exposure profile — including valuables, water risk, and liability to ensure nothing is left uncovered.
Technology does the heavy lifting. Human judgment makes the decisions.
You receive:
- Replacement cost accuracy review
- Contents and valuables gap analysis
- Water and flood exposure assessment
- No obligation to proceed
Home Program Analysis
Program Comparison
Current Program
$29,600
Optimized Structure
$35,080
Your Home Proposal
Review your customized homeowners coverage recommendations
Dwelling
Current Coverage
ACV / Standard Form
Annual Premium
$28,400
Proposed Coverage
Guaranteed Replacement Cost
Annual Premium
$23,200
Why It Matters
A standard policy on an exceptional home is a gap, not coverage.
High-value homes are consistently underinsured because standard policies use generic valuation methods. A total loss on a home insured at 60% of its replacement cost means you absorb the rest. We make sure that never happens.
What We Cover
Every Layer of Your Home, Protected
From structure to contents to liability — every exposure your exceptional property carries, properly addressed.
Guaranteed Replacement Cost
When your home is damaged, guaranteed replacement cost coverage pays to rebuild it to its original quality — regardless of whether the cost exceeds your policy limit.
Coverage Includes
- Full rebuilding cost regardless of limits
- Custom finishes and materials matched
- Ordinance and law upgrades included
- No depreciation applied to structure
Contents & Valuables
Broad form personal property coverage for the full scope of what you own — from furnishings and electronics to wine collections and home theaters.
Coverage Includes
- Replacement cost on contents
- Scheduled valuables coverage
- Wine and spirits collections
- Home technology and smart systems
Water & Extended Perils
High-value homes face unique water damage exposures — from pool infrastructure to wine cellars. We structure coverage that addresses what standard policies exclude.
Coverage Includes
- Water backup and sump overflow
- Service line coverage
- Flood through private market carriers
- Pool and outdoor structure coverage
Liability & Loss of Use
Personal liability protection for incidents on your property, plus generous loss of use coverage that maintains your lifestyle while your home is restored.
Coverage Includes
- Personal liability up to $5M+
- Medical payments to guests
- Loss of use at comparable standard
- Defense costs outside limits
Who We Serve
Exceptional Properties Deserve Private Carriers
We work with the private client divisions of carriers who specialize in high-value homes and understand what it takes to restore them properly.
Primary Residences
Custom-built and architecturally significant primary homes with replacement costs above standard market thresholds.
Vacation & Secondary
Beach homes, mountain retreats, and secondary properties that carry unique geographic and seasonal exposure.
Historic & Landmark
Historic properties and architecturally significant estates that require specialized restoration and preservation coverage.
Your home deserves coverage that truly reflects its value.
No obligation. Confidential review. Built around your property.