Our Private Client Insurance Division
High net-worth individuals accumulate a broad range of valuable possessions and property, with substantial exposure to financial loss. Luxury homes and cars, rare fine art and jewelry collections, aircraft, and watercraft are among the items acquired. Protecting these items against property damage and theft along with your assets in the event of an accident or potentially libelous incident requires a creative and discerning approach to insurance and risk management.
The experienced and knowledgeable team at Flagler Insurance Agency can help you identify your exposures to loss and protect you and your family with a customized insurance portfolio and risk management plan.
Our Consultative Approach
To serve your unique needs, we undertake the following:
- An understanding of your lifestyle and potential exposures
- A comprehensive personal risk review and exposure analysis performed annually
- Identification of uncovered exposures and recommending practical, cost-effective solutions
- A strong focus on loss prevention to prevent and minimize risk
- Design and delivery of a truly customized insurance portfolio
- Management of all aspects of our client’s ongoing personal insurance needs
High-Value Homeowners Insurance
Our professional advisors will review the assets related to your home to offer a proposal designed to protect you against the potential for liability lawsuits and property loss, including damage to your dwelling, furnishings, all structures (garages, guesthouses), and valuables such as jewelry, fine art, and other collections (wine, antiques, precious rugs, rare books). We will also review your current property values to ensure you are properly covered.
With high-value homeowners insurance, there are several unique coverage features we can provide, including but not limited to the following:
- High primary and excess liability limits
- High property insurance amounts
- Extended replacement cost to repair or rebuild your home to its original beauty, including necessary upgrades to meet current building codes
- Cash settlement option should you decide not to rebuild after a loss
- Replacement cost for the contents inside your home, up to the limit you choose on the policy so that there is no depreciation in the event of a covered loss
- Generous additional living expenses that kick in if you are displaced while repairs/ rebuilding due to damage to your dwelling
- Special insurance riders and policies for private collections
Our high-value home insurance programs come with invaluable risk consulting services to help clients stem losses, including during severe weather such as hurricanes. If you have a loss, a team of adjusters will be available to you 24/7, along with a mitigation team to help you prevent further losses. Our carrier partners have claims specialists who can help you select skilled artisans to perform restoration or repair work.
Collections
Well-curated collections require customized protection if they get damaged, lost, or stolen. We offer policies where you can choose the right type of coverage for your collection – either by itemizing each piece with its value or opting for a blanket amount to cover your items. You’ll be covered worldwide for losses.
Automobile
You may own several vehicles, including luxury automobiles or even a classic car you take for a spin on the weekends. We have policies designed to protect you and your family while on the road and to get your vehicles repaired correctly. Our automobile policies come with special features, including the ability to restore your car to its pre-claim condition in the event of an accident, an agreed-value option so you get paid the value of your car as stated on the policy with no deductible, flexibility with rental vehicles, and more. We also offer high liability limits to help protect your assets.
In addition, we can extend your primary liability limits with a high-value personal umbrella policy.
We Deliver Successful Insurance Solutions
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