Looking for High Net Worth Insurance in Saint Louis?
Did you know that most high-net worth households are severely under-insured?
This is because many insurance consumers are unaware that there are insurance companies and products out there specifically designed for high net worth individuals and families.
Don’t just rely on any policy for your insurance needs!
The truth is, high net worth families have different needs when it comes to their insurance coverage, which is why Garcia Insurance Advisors offers concierge level service, and fully customizable insurance policies to meet the unique, and often demanding needs of higher net worth households.
Our high net worth coverage includes coverage for:
- primary, secondary, vacation homes
- private collections & collectibles
- identity theft
- kidnap and ransom
- rugs & furs
- high end furniture
- high end autos
When it comes to replacing the lost income of high earners, traditional insurance plans are often times inadequate because the policy language is too restrictive.
If you are a high earner, don’t jeopardize your family’s financial well-being. Contact us to find out how high net worth coverage can assure that everything you’ve worked for will be protected!
High Value Homeowners Insurance
If your like most homeowners, your home is your single greatest asset. It should be insured as such.
What many homeowners don’t realize is that most standard H03 policies (fancy word for homeowners policy contract) aren’t robust enough to handle a high value home. Even policies that are referred to as “high value” policies are often times really just standard H03 policies with riders attached to beef them up.
These types of policies aren’t bad, but in most cases they are not appropriate for truly high value homes.
Insuring your home adequately is serious business. At Garcia Insurance Advisors we can customize a high value homeowners policy specifically for your home — no cookie cutter policies here.
High Value Homeowners Quoting Process
Quoting a high value home is different than quoting a standard home. 95% of the time, we will need to do a thorough, on-site inspection of the property to identify certain characteristics and the overall build quality of the home.
After we collect this information, we will then need to prepare the necessary documentation and applications to submit our proposal to the high value insurance carrier.
After the insurance company reviews the applications and returns their initial quote, we may need to adjust certain limits and coverages.
Once the quote is agreed upon and bound, the insurance company will often times complete their own physical survey and inspection of the home a few weeks later to ensure that the policy is 110% accurate.
Sometimes, coverages will be adjusted after the carriers inspection.
High Value Auto Insurance
Just like many standard homeowners policies are inadequate for high value homes, the same can be said for high value auto insurance. Traditional auto insurance policies are often times more restrictive than you might need if you have a high value vehicle.
At Garcia Insurance Advisors, we can help you whether you’re looking for high value homeowners insurance, auto, or umbrella, we will work together with you to build a custom insurance program for your specific needs.
How to get started on your quote
Either way we’ll make the process simple!