You know that your luxury home is distinctive in its worth. Encompassing a considerable portion of your wealth, it is above conventional. It’s for this reason that your home needs special insurance protection.

 

Comprehensive luxury home insurance offers added coverage for a broad range of related assets and perils. It presents you with accurate insurance strategies and a sound protection plan for:

 

• High Value Homes and Condominiums with Unique Features (domestic & international)

• Disaster Pre & Post Planning (and Recovery)

• Collections (fine art, jewelry, wine, etc.)

• Domestic Staff Management

• Residential Risk Management & Loss Control

• Identity Theft

• Employment Practices Liability

• Domestic Workers Compensation Coverage

The unique nature of luxury home insurance makes it intricate. At Prime Insurance, we are experts in the niche.

 

Private Collections of Jewelry, Art and Other Fine Collectables

Whatever you collect, our programs offer worldwide coverage with unparalleled flexibility. Additionally, you will have access to comprehensive collection management services created to protect, preserve and boost the value of your fine collectables.

 

Homeowners Insurance for High-End Homes

High deductible and cash settlement options are examples of the selection of available plans. Customer enhancements including earthquake coverage and response units, hurricane response units, flood coverage, wildfire response units, equipment breakdown coverage, green rebuilding, home valuations, and background checks for private staff are but some of the other unique offerings.

 

Excess Flood

Though many American homeowners obtain basic flood protection from the National Flood Insurance Program (NFIP),  property values of high net worth residences often  exceed NFIP coverage limits. To close this gap in protection, we offer Excess Flood product that can protect each property to its full replacement value.

 

Liability

In today’s world, it is imperative to secure coverage that provides a level of worldwide protection against personal injury, property damage and catastrophic financial losses that meets the level of loss an individual of high standing faces. We offer primary, excess and group personal excess liability options – up to $100 mm in limits – in addition to Directors Officers Liability, Employment Practices Liability and other protection plans.

 

Prime and You – Partners in Safeguarding Quality.

 

Appointed to do direct business with 43 of the leading insurance companies, we

 

• go to great lengths to explain options, including flood coverage

• familiarize ourselves with your specific situation

• assess your true requirements

• search for an appropriate protective plan that leaves you with no gaps in coverage

• get you the lowest quote on high-value protection

• apply available discounts