Personal Lines
High-Value Home & High-Net-Worth Insurance
Private Client Coverage for Georgia & Florida Homeowners: Metro Atlanta, Kennesaw, Marietta & Coastal Florida
Prefer to text? Alt. Phone: (678) 224-9333 · Text us
A standard homeowners policy is built around an average house. If your home, collections, or liability exposure go beyond that, a standard policy can quietly leave real gaps: capped rebuild costs, named-peril limits, and liability limits that don't match what you actually have to protect. High-net-worth insurance closes those gaps, and we shop it across the private client market instead of offering just one carrier's version of it.
What Changes at This Level
How private client coverage differs from a standard policy.
Guaranteed or Extended Replacement Cost
Rebuild your home at today's true construction cost, not a capped percentage that falls short after a major loss.
Cash Settlement Option
Take a cash settlement instead of rebuilding, common with private client policies such as Chubb, giving you flexibility after a total loss.
Open-Perils Personal Property
Broader default protection for belongings, art, and collections than the named-peril approach standard policies use.
Higher Liability Limits
Personal liability sized to match your actual net worth and exposure, not a generic $300K to $500K default.
Scheduled Valuables & Collections
Jewelry, watches, fine art, wine collections, and firearms scheduled at appraised value, worldwide.
Concierge Claims Handling
Dedicated claims teams built for complex properties, not a call-center queue.
Georgia & Florida
Coverage that fits where you actually live.
Metro Atlanta & North Georgia
Estate-style and custom-built homes across Kennesaw, Marietta, Acworth, and the greater Metro Atlanta area often carry rebuild costs well above what the tax-assessed or market value suggests, especially with custom finishes, acreage, or outbuildings. We help you insure to the real number, not the appraisal number.
Florida Coastal & High-Hazard Markets
Florida has some of the highest high-value home insurance costs in the country, driven by hurricane and coastal exposure, and several standard carriers have pulled back from writing in the state entirely. When that happens, private client and excess & surplus (E&S) market carriers are often the realistic path to real coverage, and we have access to both.
Our Markets
Access to the carriers built for this.
We're independent, so we shop your policy across multiple private client markets instead of presenting one carrier's product as the only option. That includes access to Chubb and Hanover Prestige, along with excess & surplus market options for harder-to-place Florida coastal risk.
Private client markets
Carriers we work with for high-value clients
Availability depends on what you own, where it is, and underwriting. We’ll tell you which carriers fit.
High-value homes
Each of these carriers offers a high-value or private client home program.
Auto-Owners
High Value Homes
Chubb
Masterpiece (High Value Homeowners)
Encova
Encova Premier Homeowners
Hanover
Hanover Prestige
Openly
High-value / premium home insurance
Collector & antique cars
Collector, classic, and antique vehicles need agreed-value coverage, not a standard auto policy. These carriers offer it.
Hagerty
Hagerty Private Client & classic car insurance
Chubb
Classic car insurance
American Modern
Collector Vehicle
Auto-Owners
Classic & antique cars
Foremost
Collectible Auto (with J.C. Taylor)
Liberty Mutual
Antique & classic car
OpenRoad Insurance
Classic, collector & antique vehicles
Philadelphia Insurance (PHLY)
Antique & collector cars (with Grundy)
Safeco
Antique & classic car (Liberty Mutual)
Boats & toys: 13 of our carriers insure boats, from runabouts to yachts. See boat carriers in the directory, or browse motorcycle and RV carriers.
FAQ
Common questions about high-net-worth coverage.
What counts as a "high-value" home?
Most private client carriers consider a home high-value starting around $750,000 in dwelling (rebuild) coverage, though the right threshold depends on the carrier and your local construction costs. Many Metro Atlanta and coastal Florida homes cross that line well before the market value suggests, once real rebuild costs are calculated.
How is this different from a standard homeowners policy?
Standard policies cap coverage and settle claims on a repair-cost basis with named-peril limitations. High-net-worth policies typically offer higher or guaranteed replacement cost, cash settlement options, broader open-perils coverage, higher liability limits, and dedicated claims handling built for complex properties and collections.
Do you write high-net-worth coverage in Florida?
Yes. Florida high-value homeowners face some of the highest rates in the country due to hurricane and coastal exposure, and many standard carriers have pulled back from the state entirely. We work with private client and excess & surplus (E&S) market carriers who specialize in Florida's coastal and high-hazard ZIP codes.
What if a standard carrier already declined or non-renewed my policy?
This is common in high-hazard wildfire and hurricane areas and is often the exact moment high-net-worth or E&S carriers become the right fit. We can review your situation and shop it across our private client markets.
Related Coverage
Often paired with high-net-worth policies.
Let's build a private client policy around what you actually own.
A quick conversation is usually enough to know whether a private client policy makes sense for you. Call, text, or request a quote below.
Prefer to text? Alt. Phone: (678) 224-9333 · Text us