Basic Homeowners Insurance policies start with coverage like fire, hail damage, theft and vandalism. If you own a second or seasonal home in certain hurricane prone regions, our Property Manager Service can help you keep watch from miles away If hurricane force winds impact your community, we’ll send a professional to inspect your property as soon as it’s safe, and provide a full report to you. We may arrange for urgently needed repairs or even open a claim with your permission.
We’ll insure your belongings for
the amount it costs to replace
them, without depreciation, up
to your policy limit.
With guaranteed replacement cost coverage, your policy will cover the full cost to rebuild your home, minus your deductible.
Essential Coverage:
Let's Start With the Basics
Essential coverage can be purchased up to a $250,000 limit and covers breakdown of your permanently-installed home equipment, including heating and cooling systems, appliances, water heaters, swimming pool equipment, well pumps, permanently-installed generators, transfer switches, and permanently-installed home automation and security systems.
Worldwide liability coverage
Core liability limits available up to $100 million
Worldwide vehicle rental coverage
Multinational claim units in 54 countries for easy claims
settlement and currency transfer
Coverage to repair your reputation for a covered loss
Liability protection for you for the acts of your domestic
employees during the course of their employment
Liability protection for libel and slander, even when
occurring through social media
Defense coverage outside of your limits which continues
even if the liability limit is exhausted by payments
Optional excess uninsured motorist coverage with limits
up to $10 million
Optional employment practices liability coverage
applicable to claims or wrongful employment acts by you
to your residential staff, including expenses to minimize injury to your reputation.
Valuables
We provide insurance coverage for your collectibles, rare coins, art work, jewelry, furs and handguns at home and across the globe.
Flood Insurance
The better alternative to the National Flood Insurance Program, we'll replace your contents up to the policy limit.
When claims are reported, you receive a response within 24 hours, and if approved payment within
48 hours.
Travelers insurance
Protect yourself while traveling for business or pleasure, worldwide:
24/7 assistance with emergency transport, including evacuation due to medical needs or political turmoil
Excess coverage for medical expenses incurred in the U.S. or abroad
Option for trip cancellation/interruption and even ticket coverage
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