You’ve worked hard to earn the finer things in life — nice home, nice vehicle, even residential staff. You’ve made something of yourself and your life reflects a different lifestyle but that also means your insurance needs have become more complex. Protect what you’ve worked so hard to build with a high value insurance plan designed with you in mind.

You need high net worth insurance designed for your unique needs.

As someone who is very successful, you face risks the average person does not and cannot understand. You need insurance made with you in mind.  With our high net worth insurance programs, we can put together a policy that bundles multiple important protections into one streamlined solution.

  • High value home insurance
  • High value auto insurance
  • Flood insurance is not a part of standard home insurance coverage and necessary for any home
  • Umbrella insurance offers additional liability coverage up to as much as $50,000,000

Specialized Services

World-Renowned claim service, high skilled claims teams available 24/7. 97% claims satisfaction survey among policy holders who experienced a claim. (Chubb)

Property Manager Service – If you own a seasonal home in hurricane prone areas, Chubb insurance will send a professional licensed inspector to monitor the exterior of your home to make sure everything is ok.

Identity Management Services – Complimentary identity management services in select states, which can help stop identity theft before it happens. (Chubb)

Referral to Masterpiece HomeScan – thermal home scan to proactively detect hidden hazards within your home. (Chubb)

On premises replacement cost analysis and report – find the true value of your home if it needs to be rebuilt. This takes out all the guessing and properly protects what you’ve worked so hard for.

Claims Expertise – Over 100,000 high value auto claims handled in the past 5 years. 50% of Chubb insured vehicles are European brand. They know how to address the complex vehicle industry.

Total Loss – If the vehicle can’t be properly fixed and put back to manufacture specifications, it will be covered for a total loss and paid for accordingly.

Multinational Claims units – Located in 54 countries for easy claims settlement and currency transfer.

Solid Financial Strength – We only represent carriers who are “A” rated by A.M. Best.

How does our coverage protect your home?

Not only do you get the benefit of streamlined coverage for home and auto insurance, you receive extra protections that fit the lifestyle you lead:

  • Guaranteed replacement cost on your home
  • Cash Payment Option- allows you to rebuild at a different location from where a claim loss occurred. Cash out at policy limits available.
  • Expanded replacement cost – pays what it takes to rebuild or repair your home even if it exceeds your policy limits
  • Water back-up coverage
  • Rebuilding to code – pays for added costs to bring home up to code, including new wiring and plumbing, if that’s what’s needed.
  • Primary and excess flood insurance
  • Identity theft protection and resolution services
  • Equipment breakdown coverage
  • Owned golf cart coverage
  • Coverage available for your valuables, such as fine arts, wine collections, jewelry, musical instruments, antiques, and more
  • Computer and tech coverage
  • Increased ordinance or law coverage to help bridge the cost of bringing your home up to code after a loss
  • Disappearing deductible

How does our coverage protect your vehicle? 

You no longer drive the same vehicle from your younger day. Whether you drive a Mercedes, BMW, Bentley, Rolls Royce, or some other vehicle, your auto insurance needs are different. Our auto insurance includes the coverage basic policies do not.

  • Choose a dealership or local body shop of your choice to repair your vehicle. We also offer a list of automotive specialists who can help.
  • Only original equipment manufacturer (OEM) parts will be used to repair your vehicle.
  • No per day limit on car rentals after an accident. Up to $15,000 can be used to upgrade rental vehicles, as well as hotel accommodations and airfare when the loss occurs 50 miles or more from home.
  • If your vehicle cannot be safely repaired and brought back to original condition, you will be covered for the total loss.
  • Up to $2,000 in pet injury coverage.
  • No depreciation for “wear and tear” on parts.
  • Broad coverage including pet injury and child safety seats at replacement cost, as well as option gap insurance, full glass, and road service charges are available.
  • Worldwide rental vehicle coverage – If you’re in an accident while renting a car, costs for damage to the rental vehicle, loss of income will be covered. No collision waiver needed, nor does a deductible apply.
  • Liability coverage travels with you worldwide if policy limits are $1,000,000 or greater

Add additional liability coverage with an umbrella policy designed with your net worth in mind.

It only takes an accident victim a short time to realize they might win a large settlement in a lawsuit. With the parties you throw, the guests you entertain, and the life you lead, extra liability coverage will not be wasted. Our umbrella coverage is made for you.

  • Coverage from $1 to $50 million in additional liability protection
  • No limits on legal costs coverage
  • Offers additional protection after an auto accident with an uninsured or underinsured driver.
  • Worldwide liability coverage
  • Coverage available to repair your reputation
  • Optional employment practices liability coverage for residential staff

Carriers we utilize for high value homes, property, vehicles.

  • Chubb Insurance- Full product offering nationwide for high value clients
  • Westfield- Utilize their Westpak Estate & Home Pak Estate programs
  • Central Insurance- Utilize their Signature plan programs

The coverage explained above varies by each carrier, sub limits on different coverages can apply. Talk to an experienced agent to find the best plan that best suites your needs.

You’ve worked hard to build a great life for yourself and your family. Now it’s time to protect it all with high value insurance coverage designed with you in mind. At Hitchings Insurance, your home, personal property, and vehicles are all protected in a single streamlined offering. We offer the most competitive coverage at the most competitive prices. We make insurance easy, convenient, and affordable because you already lead a busy life. When you have a claim, we’ll be there to help you get your life back to normal as fast as possible.

Contact us today to learn more about how we can help you protect your home and the lifestyle you’ve worked so hard for.

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