Private Client
High-Value Home Insurance for founder households.
Replacement-cost dwelling, cash-out settlement, and concierge claims service for HNW residences.
Why a private-client carrier is different
Standard homeowners contracts cap dwelling at a stated limit and pay actual cash value or replacement cost only up to that cap. Private-client carriers — Chubb, AIG Private Client, PURE, Cincinnati Private Client, Vault — write extended or guaranteed replacement-cost forms with cash-out settlement options, broader contents coverage, and concierge claims service that matters when the loss is significant.
How the home policy coordinates with the rest of the household
The home policy is the foundation; personal umbrella sits over it, valuables ride alongside, cyber coverage extends to the household network, and personal injury and identity-theft endorsements close common gaps. The advisor's job is to make sure the four programs use the same carrier where possible (or coordinated carriers where not) so a single loss does not fall between policies.
Frequently asked questions
When does it make sense to move from a standard homeowners policy to a private-client carrier?
Typically once the dwelling value crosses into the multi-million-dollar range, the contents schedule grows beyond standard limits, or the household has umbrella exposure that needs to coordinate with watercraft, aviation, or rental property. We benchmark against the standard market every renewal so the decision is current.
What is a cash-out settlement and why does it matter?
After a total loss, private-client carriers let the insured take the dwelling limit in cash rather than rebuilding. That flexibility matters when families decide not to rebuild — a common choice after a wildfire or major flood event.
Does a high-value home policy cover wildfire or hurricane?
Wildfire is generally covered. Hurricane wind is covered subject to a named-storm deductible (often 2–5% of dwelling value). Flood is excluded and placed separately through NFIP or a private flood market.
How is personal property valued?
Most private-client policies write personal property on an open-perils, worldwide basis at replacement cost. Items above the per-item sublimit (often $10–25k for jewelry, art, or collectibles) need to be scheduled separately on a valuable-articles policy.