Custom solutions for your unique risks, assets and lifestyle.
High net worth insurance for the 路易斯维尔, KY region.
尽管这个名字, 高净值保险不仅仅是普通个人保险的一个变种，其承保范围更高，保费也更高. Instead, it’s about recognizing that people with large assets have unique needs.
高净值保险应对这一挑战的一种方式是根据您的个人需求，将多个领域的覆盖和专业知识结合在一起，形成一个全面的保险解决方案. This usually includes coverage for your home(s), vehicles, travel and even life insurance.
The solution is custom-designed for your particular lifestyle, assets and risks rather than simply combining “off-the-shelf” policy terms and conditions.
例如, 你可能想要寻找的覆盖范围，以确保你能够修理损坏的车辆使用你选择的修理店和工厂的原始部件. 你可能也想让你的车辆投保“约定价值”，而不是市场价值. 这意味着您和保险公司同意在发生全损索赔的情况下预先支付金额.
Explore how having the right insurance can protect you from the unexpected.
Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.
Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.
通常, there is a sublimit on homeowner insurance policies for valuable possessions, 如珠宝, 皮草, 美术, 和其他收藏品.
古董车或古董车往往具有重大价值，需要特殊文件和独特的保险范围，以确保它们得到充分保护. Even if stored on your property, they are typically not covered under your homeowners insurance.
With more smart technology in homes and technology at your fingertips, 恶意软件, 黑客, 其他网络威胁会危及您的安全, 财务状况, 和声誉.
身份盗窃, 人身伤害, 网络风险保险可能是你的业主政策的一个重要附加保险.
There are risks associated with employing domestic staff in your home. 员工可能在工作中受伤，让你自掏腰包支付他们的医疗费用. 另外, 员工可以起诉不当解雇, 隐私问题, 歧视, 和骚扰索赔.
Be sure to obtain coverage for medical expenses when your staff are hurt while on the job. 另外, 雇佣实务责任保险可以保护你免于高额的法律费用与诉讼和额外的索赔从现在和过去的员工.
When there is substantial damage to your home due to unexpected events such as lightning, 火, 或者一个风暴, you may not be able to live in your home until it can be repaired or rebuilt. As a result, you could incur additional living expenses for lodging, food, and other daily needs.
你邀请客人来参加泳池派对，其中一人跳入泳池浅水区，受了永久性的伤. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries.
超额责任保险(或伞型保险)通过在现有线上最大的娱乐平台的基础上增加保护来增加你的个人责任限额, 船舶或业主政策. 超额责任保险可以作为单独的保险范围，并提供额外的安心，知道你有你需要的保护.
大多数火灾都是毁灭性的. Besides the emotional impact, the physical damage to your home can be significant. 如果你因为火灾失去了你的房子，你是否有足够的保险来替换你的房子和里面的东西? 还记得, 建筑材料和建筑成本的通货膨胀率很少与房地产价值挂钩. As a result, rebuilding a home can often cost significantly more than expected.
Make sure your homeowners policy contains replacement cost coverage with no cap. 这可以保护你，如果重建你的房子的成本高于你目前的保险限额. And, be sure that your insurance includes rebuilding your home to code. 通常情况下，地方法规和建筑规范会随着时间的推移而变化，这可能需要额外的成本.
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
您的业主政策包括个人责任保险，以应对第三方发生的伤害或损害事故，而您可能被视为过失. 然而, 你应该考虑购买超额责任保险，以提供额外的保险范围，以保护你的资产，以防你被起诉.
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flooding. 你的家会有危险吗?
购买一份洪水保险，以保护你的家和覆盖的物品免受国家洪水保险计划(NFIP)指定的某些类型的洪水损失。. 在美国.S., 洪水保险单作为一个单独的保险单通过联邦计划(NFIP)或通过一个服务承运人被称为自写承运人购买. 另外, you may be able to purchase excess limits on your homeowners policy to better protect your home.
Traveling is exciting, but there are risks associated with every trip. Whether for work or pleasure, reducing stress always improves the travel experience. If you travel to another country, the insurance policies you have may not be applicable. Other things to consider are costs associated with crime, injury, or death while traveling.
有各种各样的旅行保险，可以为行李丢失提供保护, 行程取消或延误, 或旅行中断. You may also want to consider policies that cover accidental death and dismemberment, 以及遗体的运回.
While your homeowners policy covers a wide array of perils, 比如火灾或倒下的树造成的损害, 它不包括一些常见的问题，可能发生在你家里或周围的设备. 例如, a sudden surge from the local power plant might damage appliances, 暖通空调系统, 或者家用发电机.
Add mechanical breakdown coverage to your homeowners policy. If you have multiple homes, it can be purchased for each one individually. 请记住，虽然它可以防止重大事件，但它不包括正常的磨损.
计划一个婚礼, 成年礼, 犹太女孩, 家庭团聚, 或者其他私人活动已经够让人紧张的了. 你最不应该担心的是恶劣的天气可能会导致你推迟活动. Or, 发生的事情是一个供应商破产或宣布破产，在你的事件之前，你失去你的存款?
No matter how carefully you plan, things outside of your control can go wrong. 为你的活动购买保险. 这通常不是很贵，并帮助你集中精力，使你的活动真正令人难忘.
Insurance companies often limit coverage to remediate mold that arises from a covered loss.
With many homeowners unaware of this risk or the limits of their own coverage, be sure to discuss the coverage options and loss prevention solutions to help reduce this risk.
Of course, there are other unique risks to consider, as well. 家庭帮工(如保姆或园艺工人), 身份盗窃, international travel and more all have specialized insurance solutions to protect your wealth.
To discuss how high net worth insurance can meet your needs, contact us today.
As an independent agency, we offer multiple options at competitive prices.