High Net Worth Insurance

Affluent individuals have a unique property and casualty insurance needs due to their risk exposure and types of assets they own. These complex financial protection issues require investment in high net-worth insurance services. High net-worth homeowners insurance policies are designed to protect high-value homes and personal belongings when standard policies don’t provide the necessary expanded coverage to safeguard them.

With a specialized high-net-worth homeowners insurance policy, you’ll enjoy higher coverage limits for your home and all the cherished items that make your home a reflection of your family’s legacy. The professionals of Overhead Capital LTD will help protect that legacy.

High Net Worth Property Coverage

Properties valued at $750,000 or higher are considered high-net worth homes. These include heritage homes with construction features not typically found in standard construction. The custom construction of these properties drives the replacement cost higher. These properties may also have luxurious features, including upscale outdoor living areas, swimming pools, guest houses, and intricate landscaping. It is very important to have coverage in place that addresses all the custom and unique features presented in the home.

High Net Worth Content Coverage

Proper coverage for your personal belongings, like valuable décor, jewelry collections, wine collections, and fine art is crucial — and personal property coverage is also where standard home insurance policies start to show costly coverage gaps.

High Net Worth Personal liability

High net-worth individuals need a competitive personal umbrella insurance policy. In some cases, depending on your wealth, you may need liability limits in tens of millions of dollars. A personal umbrella policy blankets many different insurance policies for appropriate asset protection.

Other Optional High Net Worth Coverages

People with a high net-worth need to look at insurance in a different way than others do. No longer are they trying just to insure a home or car, but instead they should be protecting the many assets within their portfolio. These optional coverages may include:

  • Special Auto Insurance
  • Domestic Employee Insurance
  • Yacht Insurance and High-Performance Watercraft
  • Aircraft Insurance
  • Kidnap, Ransom & Extortion Insurance
  • Special Collectables Insurance
  • Homed Based Business Coverage
  • Cyber Crime & Identity Theft
  • Directors and Officers Insurance

If you are looking to provide adequate protections for your estate, please contact the professionals at Overhead Capital LTD to learn how we can protect you!

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