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Comprehensive High Net-Worth Insurance Coverage from Direct 2U Insurance

Tailored High Net-Worth Insurance Solutions in Ontario, California
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High Net Worth Insurance Provided By Our Agency

High net-worth insurance encompasses various products requiring specialized coverage due to their increased value or risk for insurers. This includes luxury cars, high-value homes and contents, fine art, antiques, and collectibles.

What is High Net-Worth Insurance?

High net-worth insurance offers a range of coverage options for individuals with valuable residences, high-end automobiles, precious jewelry, collections, overseas properties, and significant personal or professional travel. Those with high-profile careers, such as professional athletes and celebrities, also fall under this category.

Coverage Offered by High Net-Worth Insurance

Travel Coverage
Most high net-worth policies provide annual travel insurance covering cancellation charges, medical expenses abroad, and costs due to delayed departures and missing luggage. Exclusions typically include travel against medical advice, age restrictions, and incidents arising from dangerous activities.

Additional Coverage Options

In addition to the standard offerings, high net-worth policies include a variety of additional coverage options:

Buildings Coverage
High net-worth policies define 'buildings' as the primary residence and any outbuildings, garages, swimming pools, tennis courts, and other structures on the property. These policies extend coverage beyond conventional limits to include additions and amenities.

Contents Coverage
Contents refer to personal items, furniture, and other home belongings. High net-worth policies typically offer global coverage, ensuring all items are protected worldwide. This is particularly appealing for those with multiple homes or frequent travelers. Customers benefit from comprehensive worldwide content coverage, eliminating the need for various policies.

Valuables Coverage
Policies may cover valuables such as gold, jewelry, and furs under contents coverage. Insurers also offer distinct valuables coverage for items like fine art, antiques, and collectibles. Extensions can include protection for newly acquired assets, pairs and sets, and increased insured amounts due to an artist's passing. Exclusions may involve damage to stamps and coins or losses during transport.

Liabilities Coverage
Homeowners or employers of domestic staff face potential legal liabilities. Liabilities insurance protects against claims related to property or staff. Legal expense coverage helps offset the costs of pursuing claims, such as those resulting from contract disputes or accidents causing severe injury or death.

Travel Coverage
High net-worth policies typically offer annual travel insurance, covering cancellation charges, medical expenses abroad, and costs due to delayed departures and missing luggage. Exclusions include travel against medical advice, age restrictions, and incidents arising from dangerous activities.

Additional Coverage Options

High net-worth policies often include:

  • Small craft, pleasure boats, and motor yachts
  • Caravans
  • Second homes abroad
  • Family protection
  • Personal cyber insurance

Benefits of High Net-Worth Insurance

The main advantages of high net-worth insurance from Direct 2U Insurance in California include:

  • A common renewal date for all insurance needs
  • Higher single-item limits compared to standard policies
  • All homes included under the same policy as the primary residence
  • No restrictive clauses, conditions, or warranties
  • Buildings sum insured agreed via appraisal
  • Automatic cover for gardens and outbuildings
  • Agreed value approach on all assets and valuables
  • 90-day cover for new acquisitions as standard
  • Flexible driving options – any driver, any car cover

High net-worth insurance is ideal for individuals with valuable possessions they want to protect. Although more expensive than standard insurance, the comprehensive coverage makes it worth the investment. Contact Direct 2U Insurance today in Ontario to explore our excellent options and ensure your valuables are safeguarded.

Already have High Net Worth Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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