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Private Client & High-Net-Worth Insurance

Protect your assets using the right insurance agency

Private Client Insurance and High Net Worth Insurance solutions are in high demand. Premier Shield understands what makes your home special, whether it’s a custom-built home or a newly-renovated condo. Our expert agents have over 20 years of financial services and insurance experience to help protect your home and assets.

We understand it took the effort it took to make your home unique and one-of-a-kind. It’s our role to make sure you always feel at home, even in the event of a homeowners insurance claim or if need to replace, rebuild, or repair part of your home.

Premier Shield helps build a custom-tailored insurance package that protects both your business and personal assets.

Our homeowner’s insurance companies over more than just “Full Coverage Replacement” they provide “Guaranteed Replacement Cost” on your home that will guarantee your home is rebuilt for up to $5,000,000.

Our carriers offer the most comprehensive insurance solutions and coverage options for luxury homes, vacation, and secondary homes. We can also right coastal insurance risks on Cape Cod and other waterfront property locations.

High-Net-Worth Insurance Product Offerings

Premier Shield Insurance is happy to offer higher coverage limits up to $5,000,000 with Guaranteed Replacement Cost.

No longer do you have to carry a $10,000+ a year Chubb home insurance policy. Now you can get better coverage for less through Openly & Progressive Insurance.

  • Airbnb & Home-Sharing Insurance
  • Automobiles, Recreational Vehicles, and Classic Car Insurance
  • Boats and yacht insurance
  • Buried Service Lines
  • Coastal Flood Insurance
  • Coastal Properties
  • Domestic Workers’ Compensation
  • Earthquake Insurance Coverage
  • Equipment Breakdown Coverage
  • Fine Art, Antiques, and Collectibles
  • Identity Theft
  • Jewelry Insurance, Silver and Furs Insurance
  • Kidnap and Ransom Insurance
  • Life Insurance
  • Multiple Properties
  • Personal Cyber
  • Personal Umbrella & Excess Liability
  • Private Aircraft Insurance
  • Residential Properties Insurance
  • Solar Panel Insurance Coverage
  • Special Events Insurance
  • Superior Personal Property Coverage C Coverage up to $4.4 Million
  • Superior Other Structures Coverage up to $3,000,000
  • Supplementary Boat Hull Coverage
  • Water Backup Guaranteed Replacement Cost Coverage up to $5,000,000

Personal Insurance for High Net Worth & Affluent Individuals

Some people see insurance as a wast of money…should High Net Worth or affluent individuals self-insure? Some people do because Chubb will charge them $15,000-$50,000 a year to cover the home.

We can help you find the same or better coverage at a fraction of the premium.

High net worth and affluent people often assume they don’t need life insurance.

The needs of high net worth individuals and families are much different than the offerings of traditional insurance company products like home, auto, life, flood, and personal umbrella policies. Most standard home insurance policies provide more than enough protection to protect their families and their assets.


For 85% of people, the standard insurance product offerings for life, home, auto, flood, and umbrella policies are more than enough to protect their families and their assets.

However, affluent and high net-worth individuals, the financial picture is more complex and there’s much more to consider when making insurance policy decisions.

There are many households within the U.S. with a net-worth of quite a million dollars, and almost a million of those households are in California, consistent with CNBC.com

People with a high net-worth got to check out insurance during a different way than others do. not are they trying just to insure a home or car, but instead they ought to be protecting their many assets through insurance. High net-worth individuals even have a special lifestyle that makes new risks that ought to be managed. Affluent individuals have a singular property and casualty insurance needs thanks to their exposure to risk and to the kinds of assets they own. Individuals with money become targets when anything goes wrong. it’s important not only to insure your property and other tangible assets, but also to guard your financial wealth. Here are a number of the products and solutions which will help high net-worth individuals protect themselves and their assets.

Personal Umbrella Coverage


High net-worth individuals need a competitive personal umbrella policy. Umbrella insurance policy limits start at $1 million dollars in excess liability coverage.

In some cases, counting on your wealth, you’ll need liability limits of up to 5 million dollars. a private umbrella is in a position to travel over many various insurance policies, and help protect assets with defense coverage as well.

Domestic Employees’ Insurance
Individuals who employ cooks, housekeepers, nannies, or others to figure in their homes got to have coverage for his or her employees. Having this type of insurance helps protect you if your employee sues you for damages. it’s also important to hold workers’ compensation insurance on your staff. This policy can also cover certain medical expenses which will be paid to the worker and may help to exchange any wages lost.

Coverage for Wine

Does your home insurance cover wine? Our homeowners insurance companies offer up to $100,000 in insurance coverage for wine while standard companies only offer coverage limits range between $1,000 to $2,500.

If you own a larger wine collection they’ll require a standalone personal articles floater, which provides broader coverage than a homeowners policy but can also be more costly.


Mansion at nightMany high net-worth people have wine collections. a typical homeowner’s policy might not be capable cover a loss. Wine insurance can cover the whole dollar amount of the wine with a limit for every bottle.

Fine Art Insurance


Fine art insurance can cover the complete market price, or appraised value, on any art you own. The majority of traditional home insurance policies have limitations on the quantity of coverage offered. Art insurance will also cover the art piece when it’s purchased; even when it’s far from home.

Property Coverage for High-End Homes

With Premier Shield insurance companies you’re covered up to $5,000,000 at all times regardless of your homes value. This will give you peace of mind and you won’t have to adjust your coverage every few years like you have to do with most companies.


High-end homes often have a unique construction that needs special property coverage. Custom construction drives the cost to rebuild the property higher.

 It’s also critical to carry “Guaranteed Replacement” not “Full Replacement” coverage to addresses all the custom and unique features & property details within the home.

Special Auto Insurance


High net-worth individuals may have special auto insurance needs. There are special auto policies that will address these needs, which will not be available through standard auto insurance policies.
Agreed value on high-end vehicles
Original equipment required by the manufacturer
Choice of fix-it shop including the value to move the vehicle
Worldwide rental car coverage
Carjacking coverage
Roadside assistance, pet coverage, and other perks
Kidnap and Ransom Insurance


Boat Insurance

Adding boat insurance coverage and having the proper liability protection is critical for any high net worth individual.

Premier Shield Insurance covers boats up to 50’ in hull length and up to $350,000 in value (in select areas, boats up to 35’ in length and $175,000 in value) • maximum speed of 65 mph, 85 mph for bass boats

Premier Shield Insurance is a great market for your watercraft customers. Standalone or with supporting policies, we can insure 95% of registered boats.

Boats Insurance Coverage

  • Liability Limits up to $1,000,000
  • Maximum speed of 65 mph, 85 mph for bass boats
  • We tailor a boat, marine & watercraft policies to your needs

Coverage for Home-Based Businesses


Many high net-worth individuals operate home-based businesses. a typical homeowner’s policy won’t cover this risk. a billboard policy is required to guard the risks of operating a home-based business adequately.

Serving on For-Profit and Nonprofit Boards


Many high net-worth individuals serve on for-profit and nonprofit boards. a number of these positions have indemnification and insurance included with serving on the board. However, some don’t adequately protect the individual, and a separate policy is required.

Choosing Between a Low- or High-Deductible Homeowners Insurance Policy

Ultizing proper risk management is what we do at Premier Shield Insurance. Carrying a higher deductible above $2,500 reduces your inclination to file a smaller homeowners insurance claim and will keep your annual premiums at a lost-cost.


Affluent individuals are often willing to pay a higher deductible while seeking a better coverage amount to guard their assets and balance insurance costs.

Earthquake Insurance


Earthquake insurance should be a part of your insurance portfolio. Your home and other property should be insured to full replacement for earthquake risks.

Why Choose Premier Shield

  • Our insurance companies guarantee home’s replacement cost up to $5 million.
  • Opt for cash payment at full replacement cost if relocating elsewhere
  • Our expert agents shop and compare your home with multiple high-value home insurance providers to help find the right policy.
  • Enjoy peace of mind with claims backed by a company’s excellent financial strength.
  • Access to some of the top A+ rated High-Net-Worth Insurance Companies in the United States.

High-Net-Worth Home Insurance Quote

We offer free, comparative high net worth home insurance quotes from multiple A+ rated insurance carriers so you can get the best possible rate and coverage for your property.

Premier Shield Insurance’s high net worth insurance program gives you the residents in Ohio, Massachusetts, and Connecticut the peace of mind and coverage they need to protect their homes and assets.

We know you’re busy, you’re welcome to request a high-net-worth quote by texting “HNW” to our agency principal and dedicated high net worth account executive Brian Plain to 1-774-225-0599 to get a quote by text.

You can also call and speak with an expert home insurance agent at 1-774-847-7746 or request a high-value or expensive house insurance quote online.

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