Did you know that most high-net worth households are severely under-insured? This is because many insurance consumers are unaware that there are insurance companies and products out there specifically designed for high net worth individuals and families.
The truth is, high net worth families have different needs when it comes to their insurance coverage, which is why we offer concierge level service, and fully customizable insurance policies to meet the unique, and often demanding needs of higher net worth households.
Our high net worth coverage includes options for:
Primary, secondary, vacation homes
Private collections & collectibles
Kidnap and ransom
Rugs & furs
High end furniture
High end autos
When it comes to replacing the lost income of high earners, traditional insurance plans are often times inadequate because the policy language is too restrictive.
If you are a high earner, don’t jeopardize your family’s financial well-being. Contact us to find out how high net worth coverage can assure that everything you’ve worked for will be protected!
High Value Home Owners Insurance in Kentucky
Policies that are referred to as “high value” policies are often times really just standard H03 policies with riders attached to beef them up. Insuring your home adequately is serious business.
What many homeowners don’t realize is that most standard H03 policies (fancy word for homeowners policy contract) aren’t robust enough to handle a high value home.
We can customize a high value homeowners policy specifically for your home — no cookie cutter policies here.
Cast Iron Insurance High Value Home Quoting Process
Quoting a high value home is different than quoting a standard home. 95% of the time, we will need to do a thorough, on-site inspection of the property to identify certain characteristics and the overall build quality of the home.
After we collect this information, we will then need to prepare the necessary documentation and applications to submit our proposal to the high value insurance carrier.
After the insurance company reviews the applications and returns their initial quote, we may need to adjust certain limits and coverages.
Once the quote is agreed upon and bound, the insurance company will often times complete their own physical survey and inspection of the home a few weeks later to ensure that the policy is 110% accurate.
High Value Auto Insurance
Just like many standard homeowners policies are inadequate for high value homes, the same can be said for high value auto insurance. Traditional auto insurance policies are often times more restrictive than you might need if you have a high value vehicle.
We can help you whether you’re looking for high value homeowners insurance, auto, or umbrella, we will work together with you to build a custom insurance program for your specific needs.
DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services.
This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.