Prominent Insurance Services

At a glance: Prominent Insurance Services is an independent insurance agency headquartered in Wilmington, Delaware. This page covers private client insurance. Agency advisory serves Delaware, Pennsylvania, New Jersey, Maryland, and Virginia. For help comparing protection options and requesting a proposal from our advisory team, call 302-351-3368.

Reviewed by Jason Rodriguez, CIC, CPRM, Principal Advisor. Last updated

Private Client Program

Private Client
Insurance

Comprehensive private client coverage designed for successful families with complex assets, significant liability exposure, and the expectation of exceptional service. Because the details that turn a house into a home, a car into a prized possession, and a collection into a legacy deserve more than a standard policy. Serving Delaware, Pennsylvania, New Jersey, Maryland, and Virginia.

Schedule a Private Client Review302-351-3368

"8 in 10 successful families who review specialized coverage consider switching carriers."Industry research, 2017

Why Private Client

Standard Insurance Wasn't Built for You

Standard carriers spend millions promising great coverage and great value. But when you've invested in custom cabinets, upgraded appliances, designer finishes, and quality materials, standard policies fall short. They cap your rebuilding costs, depreciate your belongings, and leave you navigating claims through a call center.

Guaranteed Replacement

Rebuild your home to its original standard, including every upgraded appliance, custom cabinet, and designer finish, regardless of what it costs at the time of loss. No cap, no depreciation, no surprises.

CPRM-Credentialed Advisor

Jason Rodriguez holds the Certified Personal Risk Manager designation, specifically designed for advisors serving successful families with complex personal insurance needs.

specialized private client markets

Access to specialized carriers with broader coverage forms, higher limits, dedicated claims teams, concierge-level service, and proactive risk management, not available through standard carriers.

Coverage Areas

Comprehensive Private Client Coverage

Every facet of your personal risk profile, evaluated and protected through our Three Pillars of Protection framework.

High-Value Homeowners Insurance

Guaranteed replacement cost coverage for homes valued at $750K and above. Rebuild your home to its original standard, including custom cabinets, upgraded appliances, designer finishes, and specialty materials, regardless of cost at the time of loss. Includes building code upgrade coverage, landscaping restoration, and temporary housing in a comparable home in your neighborhood and school district.

  • Guaranteed or extended replacement cost: no cap on rebuilding
  • Building ordinance and code upgrade coverage for electrical, plumbing, and structural
  • Cash settlement option: take the cash instead of rebuilding, up to your policy limit
  • Coverage for detached structures, guest houses, pools, and outbuildings
  • Water backup and sump pump failure coverage included up to policy limits
  • Temporary housing at comparable standards, not a budget hotel, a home like yours

Luxury & Collector Auto

Agreed-value coverage for luxury vehicles, exotic cars, and classic collections. You and the carrier agree on your vehicle's value upfront: if it's totaled, you receive that full amount with no depreciation deduction. OEM parts guaranteed, not aftermarket substitutes.

  • Agreed-value coverage: no depreciation at claim time
  • OEM (original equipment manufacturer) parts guaranteed
  • Coverage for exotic, classic, and collector vehicles
  • Gap coverage for leased luxury vehicles
  • Rental reimbursement at comparable vehicle class
  • Worldwide coverage for international travel and transport

Valuable Collections & Fine Art

Scheduled coverage for jewelry, fine art, wine collections, furs, silver, firearms, musical instruments, sports memorabilia, rare books, coins, and antiques. Each item insured at full appraised value with no deductible, covering mysterious disappearance, breakage, and spoilage.

  • Scheduled items at full appraised value: jewelry, art, wine, silver, firearms
  • Mysterious disappearance, breakage, and spoilage (wine) coverage
  • Blanket coverage for collections under $50K per item
  • Worldwide coverage including transit, display, and temporary loan
  • No deductible on most scheduled items
  • Collectible categories: furs, musical instruments, memorabilia, rare books, coins

Excess Liability & Umbrella

Personal umbrella policies starting at $1M with limits available up to $50M or more. Broader coverage than standard umbrellas, including personal injury, worldwide liability, and defense costs paid outside the policy limit, so legal fees don't erode your coverage.

  • Limits from $1M to $50M+ for qualified families
  • Defense costs outside the policy limit: legal fees don't reduce your coverage
  • Personal injury coverage (libel, slander, defamation)
  • Worldwide liability protection
  • Coordination with underlying auto, home, and watercraft policies
  • Employment practices liability (EPLI) for household staff available

Cyber & Identity Protection

Personal cyber liability coverage designed for individuals who are prime targets for identity theft, social engineering fraud, and cyber extortion. Includes dedicated fraud specialists, credit monitoring, legal expense coverage, and lost wage reimbursement during recovery. If critical documents are destroyed in a disaster, identity restoration services help replace them quickly.

  • Dedicated fraud specialist assigned to your case
  • Identity theft restoration and credit monitoring
  • Cyber extortion and ransomware coverage
  • Social engineering and wire transfer fraud protection
  • Legal expense coverage for cyber events
  • Critical document replacement after a disaster

Liability Risk Management

Comprehensive personal liability coverage for household employees, board memberships, estate and trust fiduciary liability, and volunteer activities. Protect your assets against lawsuits tied to your personal and civic life. Broad personal liability limits ranging from $1 million to $100 million.

  • Domestic workers compensation and liability
  • Not-for-profit board of directors (D&O) liability
  • Estate and trust fiduciary liability
  • Employment practices liability for household staff
  • Event liability for hosted gatherings
  • Broad personal liability limits up to $100M

Umbrella Guidance

How Much Umbrella Coverage Do You Need?

A general guideline is to carry umbrella liability limits equal to your total net worth. Here's how we typically structure umbrella coverage by wealth tier.

$1M – $3M Net Worth

$2M – $5M

Recommended umbrella limit

Covers most personal liability scenarios including auto accidents, slip-and-fall claims at your home, and general negligence lawsuits. Defense costs are paid outside the limit so your coverage isn't eroded by legal fees.

$3M – $10M Net Worth

$5M – $10M

Recommended umbrella limit

Addresses increased exposure from multiple properties, luxury vehicles, watercraft, household employees, and nonprofit board memberships. Higher limits protect against nuclear verdicts that increasingly target visible assets.

$10M+ Net Worth

$10M – $50M+

Recommended umbrella limit

Comprehensive protection for complex estates with multiple homes, significant collections, trust structures, and high-profile careers. Excess liability layers can be stacked through multiple carriers to reach the limit you need.

These are general guidelines. Your actual recommendation will be based on a comprehensive review of your specific assets, exposures, and risk profile by our CPRM-credentialed advisor.

Claims Experience

When You're at Your Worst, They're at Their Best

Private client carriers don't just process claims. They look for ways to say yes, ways to do more, and ways to make you whole again quickly. Here's what concierge-level claims service actually looks like.

Fast, Dedicated Response

Contact from a dedicated claims representative, not a call center, within hours of your initial report. Claims adjusters have the authority to approve payments quickly.

Choose Your Own Contractors

You're always free to use your own contractor, or receive referrals to a network of pre-qualified service providers who specialize in high-value properties.

Temporary Housing That Fits Your Life

If you need a place to stay during repairs, your carrier will help find comparable housing in your neighborhood and school district, not just the nearest available hotel.

Cash Settlement Flexibility

After a covered loss, take the cash up to your policy limit instead of rebuilding. This gives you the flexibility to relocate, renovate differently, or make other choices.

Replacement, Not Depreciation

Your belongings are insured for what it costs to replace them, not their depreciated value. Upgraded appliances are replaced with the exact or latest comparable model available.

Rebuild to Current Code

If you're rebuilding after a loss, your carrier pays to bring damaged areas up to current building codes, including electrical, plumbing, and structural upgrades.

Prevention First

Proactive Risk Management Services

The best claim is the one that never happens. private client carriers invest in preventing losses, not just paying for them. Many of these services are complimentary for policyholders.

Complimentary Home Assessment

An experienced risk consultant evaluates your home in person, documenting architecture, cataloguing details, and identifying vulnerabilities. The assessment, valuation, and recommendations are provided at no additional cost.

Advanced Infrared Scanning

Infrared technology scans walls and ceilings for temperature variations of just one degree, revealing hidden leaks, missing insulation, and faulty electrical connections before they cause damage.

Wildfire Defense Services

In fire-prone regions, proactive preparation before wildfires start, alerts when fires approach, and certified wildfire defense crews to help protect your property. These services have helped save homes across the country.

Second Home Property Watch

For seasonal or second homes in hurricane-prone areas, a professional inspects your property as soon as it's safe after a storm, provides a full report, and can arrange urgent repairs or open a claim on your behalf.

Water Leak Detection Guidance

Recommendations for smart water leak detection systems that shut off water supply automatically when a leak is detected, preventing catastrophic water damage while you're away.

Security & Loss Prevention

Security system assessments, background check services for household employees, and personalized loss prevention consultations to reduce your risk profile and potentially earn premium credits.

Premium Credits

Mitigation Features That Can Reduce Your Premium

Investments you've already made in protecting your home may qualify for premium credits. These features demonstrate lower risk and many carriers reward them with meaningful discounts.

Central station fire alarm system
Central station burglar alarm system
Low temperature / freeze sensor
Automatic water shut-off / leak detection system
Gated community residence
Perimeter gate on property
Lightning protection system
Whole-house sprinkler system
Signal continuity monitoring
Backup generator (whole-house)
On-site caretaker or estate manager
Hurricane impact-rated windows and shutters

Who We Serve

Is Private Client Insurance Right for You?

You don't need a mansion or a yacht to benefit from private client insurance. If you've invested in quality, you've probably outgrown your standard policy. Our program is designed for successful families who expect more from their coverage.

Homes valued at $750,000 or more with upgraded finishes
Custom cabinets, designer appliances, and specialty materials throughout your home
Multiple properties, vacation homes, or seasonal residences
Luxury, exotic, or collector vehicles
Fine art, jewelry, wine, silver, or firearms collections
Household employees (nannies, housekeepers, chefs, estate managers)
Personal umbrella needs exceeding $1 million
Nonprofit board memberships or civic leadership roles
Family trusts, estate planning structures, or fiduciary roles
Significant investable assets or complex personal risk profiles
High-profile careers, public visibility, or professional prominence
Watercraft, recreational vehicles, or seasonal toys

Case Study

Multi-Property Family with Collection Exposure

The Situation

A family with a primary residence in Delaware, a vacation home on the Maryland Eastern Shore, three luxury vehicles, a fine art collection valued at $800K, and two full-time household employees. Their existing standard policies had significant gaps including no guaranteed replacement cost, scheduled items well below current appraisals, and no domestic workers coverage.

Our Solution

We consolidated their coverage into a single private client program with an A-rated carrier specializing in successful families. We secured guaranteed replacement cost on both homes, agreed-value coverage on all vehicles, scheduled the art collection at updated appraisals, added domestic workers compensation, and structured a $5M umbrella to coordinate across all underlying policies.

The Result

The family gained comprehensive, gap-free coverage with a single point of contact for claims and service. Their total annual premium was within 8% of what they had been paying for inferior piecemeal coverage, and they eliminated over $2M in previously uninsured exposure.

The Difference

Why Work With a Specialist?

Private client insurance isn't just higher limits on a standard policy. It's a fundamentally different approach to protecting what you've built.

Coverage Gap Analysis

Most successful families have 3–5 uninsured or underinsured exposures they don't know about. A specialist reviews your full risk profile, not just your current policies, to find blind spots before a claim reveals them.

Market Access

Private client carriers offer coverage forms, limits, and services that standard carriers simply don't provide. Guaranteed replacement cost, agreed-value auto, scheduled collections at current appraisals, and umbrella limits up to $50M or more.

Coordination Across Policies

When you have multiple homes, vehicles, collections, employees, and board memberships, policies must coordinate. A gap between your auto liability and umbrella attachment point, or a missing underlying requirement, can leave millions uninsured.

Claims Advocacy

When you file a claim, your advisor advocates on your behalf, not the carrier's. A specialist understands the nuances of private client claims, from rebuilding custom homes to valuing irreplaceable collections, and ensures the outcome reflects the coverage you're paying for.

Your Advisor

Jason Rodriguez, CIC CPRM

Your private client insurance program deserves an advisor with specialized training. Jason holds the Certified Personal Risk Manager (CPRM) designation from The National Alliance, specifically designed for advisors serving successful families with complex personal insurance needs.

Certified Insurance Counselor (CIC)
Certified Personal Risk Manager (CPRM)
15+ years of insurance advisory experience
Licensed in DE, PA, NJ, MD & VA for personal lines
Independent: works with more than 20 appointed carriers
Three Pillars of Protection™ framework

Service Area

Five-State Private Client Coverage

Private client insurance needs vary by state. Understanding your local risk landscape is essential to building the right coverage program.

Delaware

Wilmington, Greenville, Hockessin, Rehoboth Beach

Coastal flood exposure along the Delaware Bay and Rehoboth Beach corridor. Rising construction costs in New Castle County's established neighborhoods. Delaware's favorable trust laws create complex estate structures that require coordinated liability coverage.

Pennsylvania

Philadelphia, Main Line, King of Prussia, Chester County

Pennsylvania courts are among the most plaintiff-friendly in the nation, with nuclear verdicts exceeding $10M becoming more common in Philadelphia County. Main Line and Chester County properties command premium rebuilding costs. High umbrella limits are essential for families with significant assets.

New Jersey

Princeton, Cherry Hill, Moorestown, Cape May

New Jersey has some of the highest jury verdict averages in the country. Shore properties from Cape May to Long Beach Island face hurricane, flood, and wind exposure. Strict employment laws create elevated liability risk for families with domestic employees.

Maryland

Bethesda, Potomac, Annapolis, Eastern Shore

DC-metro corridor exposure in Montgomery County with high property values and dense litigation environment. Chesapeake Bay and Eastern Shore properties face flood and wind risk. Maryland's contributory negligence standard adds complexity to liability planning.

Virginia

McLean, Great Falls, Arlington, Alexandria

Northern Virginia's proximity to Washington DC creates unique liability exposure for families in government, consulting, and defense contracting. High property values in McLean and Great Falls require guaranteed replacement cost. Virginia's personal lines licensing allows us to serve private client families across the commonwealth.

5 Coverage Gaps Most High-Net-Worth Families Miss

A practical guide identifying the most common coverage gaps we see when reviewing existing policies for successful families. Learn what to look for before your next renewal.

Free PDF download. No email required.

For Professionals

Are you a family office CIO or wealth advisor?

See how we partner with family offices, RIAs, and wealth advisors to deliver consolidated personal risk management across multi-household client rosters.

Family Office Services

Frequently Asked Questions

Common questions about private client insurance.

High-net-worth insurance, also known as private client insurance, is designed for individuals and families with significant assets to protect, typically those with homes valued at $750,000 or more, investable assets exceeding $1 million, or complex personal risk profiles that include multiple properties, luxury vehicles, valuable collections, or domestic employees. Private client policies differ from standard insurance because they offer higher limits, broader coverage, guaranteed replacement cost, and concierge-level claims service.

Standard homeowners policies cap coverage at the dwelling's estimated replacement cost and may not cover the full cost to rebuild a custom or luxury home. Private client homeowners insurance typically includes guaranteed replacement cost (rebuilding your home regardless of cost), extended replacement cost endorsements of 150% or more, building code upgrade coverage, cash settlement options, and coverage for landscaping, outbuildings, and temporary housing at comparable standards. Claims service is also faster and more personalized.

In most cases, yes. Standard homeowners policies limit coverage for jewelry to $1,500-$2,500 and fine art to similar sub-limits. Private client insurance programs offer scheduled personal property coverage where each item is insured at its full appraised value with no deductible. This covers risks like mysterious disappearance, breakage, and theft that standard policies exclude or limit. Items can be individually scheduled or covered under blanket limits for collections under $50,000 per item.

A general guideline is to carry umbrella liability limits equal to your total net worth. For most private client families, this means starting at $2-5 million and potentially going up to $50 million or more. Private client umbrella policies also offer broader coverage than standard umbrellas, including defense costs outside the policy limit, personal injury protection (libel, slander, defamation), and worldwide coverage. Your advisor will evaluate your specific exposures including real estate holdings, vehicles, watercraft, and public profile.

Yes. Private client programs can cover multiple residences including vacation homes, seasonal properties, and investment properties under a single comprehensive program. This simplifies management and ensures consistent coverage standards across all properties. Secondary homes, whether in-state or out-of-state, can be covered with the same guaranteed replacement cost and broad form coverage as your primary residence.

Agreed-value coverage means you and the insurance carrier agree on your vehicle's value at the time the policy is written. If the vehicle is totaled, you receive that agreed amount with no depreciation deduction. This is critical for luxury, exotic, and collector vehicles that may depreciate differently than standard vehicles or actually appreciate in value. Standard auto policies pay actual cash value (ACV), which deducts depreciation and often results in a payout well below what it costs to replace a comparable vehicle.

Absolutely. Private client insurance programs offer specialized coverage for virtually any type of valuable collection including wine, musical instruments, sports memorabilia, rare books, stamps, coins, firearms, and more. Each collection can be scheduled at appraised value with coverage that includes breakage, spoilage (for wine), theft, mysterious disappearance, and damage during transit. Your advisor will help determine the right coverage structure based on collection value and how items are stored and displayed.

Private client families face unique liability exposures including domestic employee lawsuits (wrongful termination, discrimination, workplace injury), board of directors liability for nonprofit organizations, fiduciary liability for family trusts and estates, event liability for large hosted gatherings, and reputational risks. Additionally, successful families are more likely to be targets of lawsuits simply because plaintiffs perceive deeper pockets. Comprehensive personal liability coverage and appropriate umbrella limits help protect against these exposures.

We work with specialized private client markets that specialize in coverage for successful families. These carriers offer broader coverage forms, higher limits, dedicated claims teams, and risk management services that standard carriers simply don't provide. Our carrier independence means we can compare options from multiple private client insurers to find the right fit for your specific situation, rather than being limited to one company's offerings.

Prominent Insurance Services provides private client insurance across five states: Delaware, Pennsylvania, New Jersey, Maryland, and Virginia. Our principal advisor, Jason Rodriguez, holds the Certified Personal Risk Manager (CPRM) designation, which specializes in personal risk management for successful families. Whether your primary residence is in Wilmington, Philadelphia, Princeton, Bethesda, or Northern Virginia, we build a comprehensive private client program tailored to your needs.

Private client carriers provide a concierge-level claims experience. You typically have a dedicated claims representative (not a call center), faster response times, the ability to choose your own contractors and repair shops, cash settlement options for flexibility, and proactive risk management services to prevent claims in the first place. Many private client carriers also offer temporary housing at comparable standards, not just a budget hotel, while your home is being repaired.

If you employ household staff such as nannies, housekeepers, personal chefs, estate managers, groundskeepers, or personal assistants, you likely need domestic workers compensation coverage. Most states require workers compensation for household employees, and failing to carry it exposes you to significant personal liability if an employee is injured on the job. Private client programs bundle this coverage seamlessly with your other personal policies.

Yes. Personal cyber liability coverage is increasingly important for successful families who are prime targets for identity theft, social engineering fraud, cyber extortion, and data breaches. Private client cyber coverage includes identity restoration services, credit monitoring, legal fees, lost wage reimbursement during recovery, and coverage for fraudulent wire transfers. Given the sophistication of modern cyber threats, this coverage is now considered essential for comprehensive personal protection.

Replacement cost pays to rebuild your home up to the policy's stated dwelling limit. If construction costs exceed that limit, you pay the difference. Guaranteed replacement cost pays the full cost to rebuild your home regardless of the stated limit, even if costs exceed the policy amount due to material price increases, labor shortages, or building code changes. For custom and luxury homes, guaranteed replacement cost eliminates the risk of being underinsured after a total loss.

The first step is a comprehensive coverage review with our CPRM-credentialed advisor. We evaluate your current policies, identify coverage gaps, assess your total risk profile including all properties, vehicles, collections, liability exposures, and household staff, and then design a private client program that addresses every area. There is no cost for the initial review, and we work with multiple specialized private client markets to ensure competitive pricing. Download our guide on coverage gaps or contact us directly to schedule your review.

The CPRM designation is awarded by The National Alliance for Insurance Education & Research. It specializes in personal risk management for successful families with complex insurance needs. CPRM holders complete advanced coursework covering high-value homes, luxury autos, collections, watercraft, domestic employees, umbrella structuring, and liability exposures unique to private client households. Fewer than a small percentage of insurance professionals hold this designation, making it a mark of specialized expertise in personal insurance advisory.

While insurance premiums are generally not tax-deductible for personal coverage, there are tax-adjacent considerations private client families should understand. Casualty loss deductions may be available for uninsured losses in federally declared disaster areas. Life insurance death benefits are generally income-tax-free to beneficiaries. Certain trust-owned insurance structures can help with estate tax planning. We recommend working with your tax advisor and estate planner in conjunction with your insurance advisor to ensure your overall financial plan is coordinated.

Yes. One of the primary advantages of private client insurance is the ability to bundle your home, auto, umbrella, collections, watercraft, and other coverages into a single comprehensive program with one carrier. This simplifies management, eliminates coverage gaps between policies, often results in multi-policy discounts, and provides a single point of contact for claims and service. Your advisor coordinates the entire program so you don't have to manage multiple carriers and renewal dates.

Many private client carriers offer proactive risk management services at no additional cost. These may include complimentary home appraisals, security system assessments, wildfire risk evaluations, water leak detection system recommendations, background check services for household employees, and personalized loss prevention consultations. These services help prevent claims before they happen and can sometimes result in premium credits.

We recommend reviewing your private client coverage annually and whenever there is a significant life change such as a home renovation or purchase, acquisition of a new vehicle or collection piece, hiring or terminating household staff, a child getting a driver's license, marriage or divorce, establishment of a trust, or joining a nonprofit board. Property values, collection appraisals, and liability exposures change over time, and your coverage should evolve accordingly.

Private client insurance typically costs more than standard coverage due to higher limits and broader protection, but the cost-per-dollar of coverage is often very competitive. Many private client families find that their total premium for a comprehensive bundled program is comparable to or even less than what they were paying for piecemeal standard policies with inferior coverage. The value proposition is better coverage, higher limits, and superior claims service, not necessarily higher premiums. A competitive review from an independent advisor often reveals savings opportunities.

If your home is in a FEMA-designated flood zone, flood insurance is essential and may be required by your mortgage lender. However, even homes outside designated flood zones can experience flood damage. Standard homeowners policies, including private client policies, exclude flood damage. Private flood insurance markets offer coverage up to $10 million or more for high-value homes, significantly exceeding NFIP limits of $250,000 for dwelling coverage. Your advisor will evaluate your specific flood risk based on property location and elevation.

Yes. Private client insurance programs can include coverage for boats, yachts, jet skis, ATVs, snowmobiles, and other recreational vehicles. Watercraft coverage includes hull damage, liability, uninsured boater coverage, personal effects on board, and salvage costs. For larger yachts, specialized marine programs offer navigation territory flexibility, crew coverage, and pollution liability. Bundling these coverages into your private client program ensures seamless coordination with your umbrella liability.

With standard homeowners insurance, you would be responsible for the difference between your policy limit and the actual rebuilding cost, a situation called being underinsured. With guaranteed replacement cost coverage available through private client programs, the carrier pays the full rebuilding cost regardless of the policy limit. This is especially important in periods of construction cost inflation, material shortages, or when building code changes require expensive upgrades during reconstruction.

Three things set us apart. First, our principal advisor holds the CPRM designation, specifically designed for personal risk management of successful families. Second, we are independent and work with multiple specialized private client markets, meaning every recommendation is based on what is best for you, not what earns the highest commission. Third, our Three Pillars of Protection framework ensures that your entire risk profile, property, people, and future liability, is evaluated holistically rather than policy by policy.

Many private client carriers provide complimentary home assessment services. An experienced risk consultant evaluates your home in person, documenting architecture, cataloguing details, and identifying vulnerabilities. Advanced technology including infrared scanning can detect hidden issues like leaks, missing insulation, and faulty electrical connections by identifying temperature variations of just one degree behind walls and ceilings. These assessments help prevent losses before they happen and ensure your home is accurately valued for coverage purposes.

In fire-prone regions, some private client carriers offer proactive wildfire defense services at no extra cost: preparation before fires start, alerts when fires approach your area, and certified wildfire defense crews contracted to help protect enrolled homes when threatened. For hurricane-prone areas, property watch services send a professional to inspect seasonal or second homes as soon as it's safe after a storm, providing a full damage report and arranging urgent repairs. These proactive services have saved homes that might otherwise have been lost.

Yes. Many private client carriers offer premium credits for protective features already in your home. Common mitigation credits include central station fire and burglar alarm systems, low temperature and freeze sensors, automatic water shut-off and leak detection systems, whole-house sprinkler systems, backup generators, lightning protection systems, gated community residence, perimeter gates, impact-rated hurricane shutters, and on-site caretakers. Your advisor will identify which credits apply to your specific situation during the coverage review.

Unlike standard policies that may only cover a budget hotel, private client carriers help you find comparable temporary housing that fits your lifestyle. This means a similar type of home in your neighborhood and school district so your family's routine is minimally disrupted. The carrier pays the difference in expenses until you can return home. If you have children in school, pets, or specific needs, the claims team works to find housing that accommodates your family, not just the nearest available vacancy.

Request a Private Client Review

Schedule a complimentary review of your current coverage with our CPRM-credentialed advisor. No obligation, no pressure.

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