Home & Personal Property Insurance
The home, properly insured.
A primary residence, a beach condominium, a place up north — each carries a different exposure, and each deserves coverage sized to what it would actually cost to rebuild today.
A high-value home is not a larger version of an ordinary one. The construction is bespoke, the contents are significant, and the cost to rebuild it as it stands rarely matches the figure on a standard policy. We build coverage to replacement reality — the real number to put the house back the way you knew it — and we revisit that number as values move.
We place primary residences, condominiums, seasonal and second homes, and the personal property inside them, with the carriers built for this work.
What we cover
Coastal, flood & wind
If your home is near the water, flood, wind, and the deductibles attached to each decide everything. We review your flood position, your wind and hurricane deductibles, and where coverage sits between the private market, surplus lines, and Citizens — sized to your property, not a default.
Valuables, in brief
Most homes hold more than the policy contemplates — jewelry, art, a watch collection, wine. We draw the line between your home policy and scheduled coverage in the right place, with nothing falling through it. (Handled properly under Fine Art, Jewelry & Collections.)
Read as one picture
Personal property is one part of a larger picture. Through the Preliminary Risk Review, your home coverage, umbrella, and valuables work as one — so a claim is met, not contested over which policy was supposed to respond.
Begin with a conversation
Tell us what you own and where you stand, and we'll size the coverage to it — privately, and at your pace. It commits you to nothing.
Schedule a conversation