PERSONAL SOLUTIONS
Property Insurance
Make sure your largest asset is insured for what it would actually cost to rebuild.
PROPERTY INSURANCE OVERVIEW
High-income professionals need more than a standard homeowner's policy.
Your home, vehicles, and personal assets represent decades of hard work. A standard insurance policy from an online quote engine doesn't account for high-value renovations, jewelry, art, a home office where you review patient charts, or the liability exposure that comes with a pool, a boat, or a teenage driver.
Replacement cost coverage
Insures for what it would cost to rebuild today — not your purchase price or Zillow's estimate.
Valuable articles
Scheduled riders for jewelry, watches, fine art, and collectibles that exceed standard homeowner's caps of $1,500–$5,000.
Personal umbrella
For healthcare professionals with high incomes and visible assets — the most cost-effective per-dollar protection available.
High-value home
Guaranteed replacement cost, concierge claims service, and agreed-value coverage for homes above $750K.
COVERAGE OPTIONS
Property Insurance Options
The main types of property insurance coverage we help clients navigate.
Homeowners
Full dwelling + personal property + liability coverage for owner-occupied homes. The foundation of personal property protection.
Renters
Personal property + liability for tenants. Your landlord's policy covers the structure — but not your belongings or your liability.
Condo & Co-Op
Unit interior + personal property + liability. The master policy covers building exterior — you cover everything inside your walls.
Landlord
Dwelling + liability protection for rental properties. Covers the structure and your liability as owner — not your tenant's belongings.
OUR PARTNERS
We work with trusted property insurance carriers.
WHAT YOU NEED TO KNOW
What Your Policy Covers — and Common Exclusions
What a Standard Policy Covers
- Dwelling & structures
Fire, wind, hail, theft, vandalism, and most weather damage to your home and attached structures.
- Personal property & belongings
Furniture, electronics, clothing — subject to per-category limits on jewelry, art, and collectibles.
- Personal liability
Legal costs and damages if a guest is injured on your property or you damage someone else's property.
- Additional living expenses
Hotel, meals, and temporary housing costs if your home is uninhabitable after a covered loss.
- Medical payments to others
Minor medical costs for guests injured on your property, regardless of fault — typically $1K–$5K.
- Detached structures
Garage, shed, fence, and other structures on the property — usually covered at 10% of dwelling limit.
Common Exclusions & Gaps
- Flood damage
Requires a separate NFIP or private flood policy — never included in standard homeowners.
- Earthquake & earth movement
Excluded in most states. Separate earthquake policy required in seismic zones.
- Sewer & drain backup
Requires a specific endorsement — one of the most common uncovered claims.
- Mold & fungus
Limited or fully excluded. Remediation can cost $10K–$30K+ without coverage.
- Home business equipment & liability
Standard policies exclude business property and professional liability — requires a rider or separate policy.
- Breed-restricted dog liability
Some carriers exclude specific breeds. If your dog injures someone, you may have no coverage.
- Normal wear, tear & maintenance
Insurance covers sudden/accidental loss — not gradual deterioration, pest damage, or deferred maintenance.
KEY CONSIDERATIONS
What to Think About When Buying Property Insurance
01
Know your replacement cost
Your home's market value and its replacement cost are different numbers. A $1.2M home in a high-cost area might cost $800K to rebuild — or $1.5M if construction costs have spiked. We make sure your dwelling limit reflects actual rebuild cost.
02
Set your umbrella at the right level
A general rule: your umbrella should equal your net worth. A healthcare professional with $2M in assets needs at least a $2M umbrella. At $300–$500/year per million, it's the cheapest meaningful protection you can buy.
03
Schedule your valuables
If you own an engagement ring worth $15K, your standard policy might pay $1,500 if it's lost. Scheduled coverage costs a fraction of the item's value annually and guarantees full replacement.
04
Bundle strategically
Combining home, auto, umbrella, and valuable articles with one carrier earns multi-policy discounts of 10–25% and simplifies claims. We build bundles that maximize savings without sacrificing coverage.
COST CONTEXT
What Property Insurance Actually Costs
Standard homeowners in New York: $1,500–4,000/year. High-value home coverage: $5,000–15,000+. Renters insurance: $15–30/month. Personal umbrella: $300–500/year per $1M in coverage — the single best value in personal insurance.
What Drives Your Premium
Home value, location, construction type, claims history, deductible level, and coverage limits. Proximity to fire hydrants, coast, and fire stations also matters. High-value carriers use different rating models than standard carriers.
The Bundle Advantage
Combining home, auto, umbrella, and valuable articles with one carrier or coordinated group earns multi-policy discounts of 10–25% and dramatically simplifies the claims process when you need it most.
GET STARTED
Your Coverage Should Work as Hard as You Do
Let's review what you have and make sure it actually protects what matters most.