Personal / High Net Worth

Michigan High Net Worth Insurance

Significant assets need more than a standard policy. High net worth insurance brings broader coverage forms, much higher liability limits, agreed value on homes and valuables, and concierge claim service — through specialist carriers built for affluent Michigan families.

What we do for high net worth insurance clients

• Broader, higher-limit coverage — richer forms and liability limits than standard carriers offer, sized to your assets.
• Agreed value and cash-out — guaranteed valuations on homes, art, jewelry, and collections — no depreciation surprises.
• One coordinated program — home, auto, valuables, umbrella, and more under a single high-net-worth carrier with concierge service.
• Specialist markets — we place coverage with Chubb, PURE, Cincinnati Private Client, and other HNW carriers.

Who high net worth coverage fits

Families with $1M+ in insurable assets, homes valued $750K and up, owners of significant jewelry, art, or wine collections, and anyone whose liability exposure exceeds what standard policies comfortably cover.

What high net worth insurance covers

• High-value home — broader coverage with extended or guaranteed replacement cost.
• Valuable articles — agreed-value coverage for jewelry, art, wine, and collectibles.
• High-limit liability and umbrella — $5M to $100M+ in personal liability protection.
• Auto and collector vehicles — richer coverage for premium and collector cars.
• Concierge claims and risk service — white-glove claims handling and risk consulting.

Common questions

What is high net worth insurance?

A coordinated program through specialist carriers (Chubb, PURE, Cincinnati Private Client, and others) built for affluent families. It offers broader coverage forms, much higher limits, agreed value on homes and valuables, generous liability and umbrella options, and concierge claim service that standard carriers don't provide.

When should I switch to a high net worth carrier?

Generally when your home is valued around $750K+, you have $1M+ in insurable assets, you own significant jewelry, art, or collections, or your liability exposure outgrows standard limits. The richer coverage and higher limits usually justify the move. We'll tell you honestly when it makes sense.

How is high net worth coverage different from a standard policy?

Beyond higher limits, HNW policies typically include guaranteed or extended replacement cost on the home, agreed value (no depreciation) on valuables, much broader liability and umbrella options, and personalized claim and risk service — features standard carriers can't match.

Can you bundle all my coverage with one HNW carrier?

Yes — that's the point. We place home, auto, valuable articles, umbrella, and collector vehicles together with a single high-net-worth carrier, giving you one coordinated program, simpler service, and a single concierge claims contact.