Homeowners

Our comprehensive homeowners’ policy is designed for those whose residences have a replacement cost in excess of $1 million:

• You may require more — or less — coverage than your friends and neighbors. We’ll work with you to provide limits that meet your precise needs.
  
• Some of the most beautiful homes are also the hardest to insure. Whether you reside on the coast, in the mountains, in a gated community or all of the above, Private Client Group has the ability to handle complex insurance needs.
  
• Coverage is provided for landscaping, breakage of fragile items, and damage caused by domestic pets.

In the unfortunate event of property damage, additional policy provisions are intended to facilitate the handling of your claim:

• In many instances, we can rebuild on-site to match your home's exceptional building quality, even if doing so exceeds your policy limit.
  
• If you prefer, claims can be settled in cash without any obligation to replace lost items or repair damaged property.
  
• Damaged personal property can be repaired or replaced with new item(s), without deductions for depreciation.
  
• Additional living expenses will be made available if your home becomes uninhabitable after a loss.

You also may add any of our optional coverage enhancements to your policy, including:

• Equipment breakdown — Homes today are being built with more mechanical, electrical and electronic equipment than ever before. This optional add-on covers the costs to repair or replace critical home equipment due to breakdown.
  
• Household SafeGuard — This coverage applies to physical and mental recovery following a traumatic covered event, such as kidnapping, abduction, home invasion, mugging, and car-jacking or hijacking.

Private Client Group’s insurance offerings are competitively priced, which means you can get exponentially better coverage without an exponential increase in price.

Some people prefer to assume more risk than others. Electing to pay a higher deductible may substantially reduce your annual premium. Choose from a range of deductible options, up to $100,000. Please note: this premise also applies to separate hurricane or wind and hail deductibles in storm-prone areas like Florida.

Having insurance that replaces your home in a disaster is reassuring. Not losing your home and irreplaceable possessions in a disaster is even better.

Residential Engineering Services
Large estates often are built with complex electrical, heating and plumbing systems that are comparable to commercial properties. Our engineering expert can conduct an in-depth examination to detect frequent causes of property damage before they have a chance to escalate. An infrared camera also may be used to reveal temperature variations behind walls or ceilings that are undetectable to the naked eye. These irregularities can indicate overheating electrical systems or moisture due to a leak or mold.

Should you ever need to file a claim, our exceptional claims professionals will do whatever it takes to minimize your frustration and exceed your service expectations every step of the way.