Home
Primary residences with custom finishes, historic details, or rebuild costs that exceed standard market assumptions need coverage built around the property, not a default homeowners form.
Personal Insurance Built Around What You Own
Coverage for homes, vehicles, watercraft, collections, and personal liability, including complex and high-value personal insurance needs.
Personal Insurance
Personal insurance becomes more complex as assets, properties, vehicles, and liability exposures grow. We work with individuals and families on coverage ranging from primary homes and everyday vehicles to second homes, watercraft, collections, and other specialty assets.
Personal Insurance Coverage
Vehicles
From daily drivers to collector and specialty vehicles, we review limits, agreed value where appropriate, garaging, vehicle use, and the drivers behind the wheel.
Watercraft
Boats and other watercraft can require specialized coverage based on navigation territory, storage, crew considerations, marina requirements, and how the vessel is used.
Collections & Valuables
Art, jewelry, wine, and other valuable property may require scheduled coverage, current appraisals, and transit protection beyond standard homeowners limits.
Second Homes
Seasonal, coastal, ski, and other secondary residences can create different coverage needs based on occupancy, local requirements, location, and distance from the primary residence.
Liability & Complex Households
Personal liability can extend well beyond the home itself. Household staff, rental properties, board service, entertaining, multiple residences, vehicles, and watercraft can all affect the amount and structure of liability protection a household needs.
Umbrella and excess liability can provide additional protection above underlying policies. For households with higher-value homes, specialty vehicles, collections, watercraft, or multiple properties, we also work with carriers and markets designed for risks that may not fit standard personal insurance programs.
- Personal Umbrella & Excess Liability
- Household Staff
- Rental Property Exposure
- Board Service
- Multiple Residences
- Specialty & High-Value Assets
Let's Review Your Personal Insurance
Whether you're reviewing your current coverage, adding a home, vehicle, watercraft, or other asset, or looking for broader liability protection, we can help.
