Exceptional Coverage for Exceptional Lifestyles
High Net Worth Insurance in New Jersey
Sophisticated insurance solutions for high net worth individuals and families. Protect your assets, lifestyle, and legacy with coverage as unique as your needs.
Insurance That Matches Your Success
Your success has afforded you a lifestyle that requires more than standard insurance coverage. High net worth insurance is designed for individuals and families with significant assets, multiple properties, valuable collections, and unique risks.\n\nWe specialize in creating comprehensive insurance programs that protect not just your physical assets, but your financial security and personal lifestyle. Our access to premier insurance carriers means you'll receive broader coverage, higher limits, and exceptional service that matches the level of success you've achieved.
Comprehensive Wealth Protection
Specialized coverage options designed for successful individuals and families
High-Value Home Coverage
Guaranteed replacement cost coverage for luxury homes with no cap on rebuilding costs
Valuable Items Protection
Blanket coverage for jewelry, art, wine collections, and other high-value possessions
Excess Liability Coverage
Personal umbrella policies with limits of $5 million, $10 million, or more
Worldwide Property Coverage
Protection for multiple homes, vacation properties, and belongings anywhere in the world
Identity Fraud Protection
Comprehensive coverage for identity theft with dedicated restoration specialists
Risk Management Services
Access to security consultants, appraisers, and loss prevention specialists
The High Net Worth Advantage
Experience insurance service that matches your expectations
Comprehensive Protection
Coverage designed for complex assets and sophisticated lifestyles with higher limits and broader protection.
Concierge-Level Service
Dedicated account teams who understand high net worth needs and provide personalized service.
Risk Management Expertise
Proactive risk assessment and mitigation strategies to protect your assets and lifestyle.
Specialized Coverage Solutions
Tailored protection for your unique assets and exposures
Collections & Valuables
Fine art, jewelry, wine cellars, rare books, and memorabilia with agreed value coverage.
International Coverage
Properties abroad, international travel, foreign liability, and kidnap & ransom protection.
Lifestyle Protection
Yachts, aircraft, exotic cars, equestrian activities, and domestic staff coverage.
Elevate Your Insurance Protection
Schedule a confidential consultation to discuss your high net worth insurance needs.
High Net Worth Insurance FAQs
What qualifies as high net worth insurance?
High net worth insurance is designed for individuals with homes valued over $1 million, significant assets, valuable collections, or complex insurance needs. These policies offer higher limits, broader coverage, and specialized services.
How is high net worth insurance different from standard coverage?
High net worth policies offer guaranteed replacement cost on homes, higher limits on valuables, worldwide coverage, concierge claim service, and access to risk management specialists. Coverage is more comprehensive with fewer restrictions.
Do I need an umbrella policy?
Yes, high net worth individuals face greater liability exposure. An umbrella policy provides additional liability coverage above your home and auto policies, typically starting at $1 million and going up to $100 million or more.
What additional services are included?
Many high net worth insurers offer complimentary services like home security assessments, art appraisals, background checks for domestic staff, cyber security consulting, and wildfire defense services.