You made a significant investment in your home. Should the unexpected happen, are you confident that the insurance company will protect you?

Individuals, Families And Family Offices

Home Insurance

All homeowners’ policies are not equivalent. We’ll make sure that your insurance not only satisfies the bank’s requirements, but also actually protects your home should something catastrophic happen.
  • Dwelling coverage
  • Personal property
  • Personal liability
  • Umbrella liability
  • Cyber Liability
  • Primary and excess flood coverage
  • Earthquake coverage
  • Loss of use
  • Mold coverage
  • Protection during renovation
  • Trees and shrubs

Home Insurance Questions to Ask

  • If I hire a contractor to do work in my house, what insurance do I need to make sure they have? What paperwork, if any, do I have to request?
  • Is my jewelry covered while I’m traveling? What if I lose a piece of jewelry, rather than it being stolen?
  • What is flood insurance, and how does a flood claim differ from a “water damage” claim?
  • If somebody tricks me into wiring money into a fraudulent account, am I covered by my home insurance?
  • If one of my pieces of art is damaged, will my policy cover not only the cost to repair it, but also the loss of value as a result of it?
  • Do all insurance policies require that I rebuild my home in order to receive “replacement cost coverage?”
  • Does my artwork or jewelry have to be specifically listed, or can it simply be covered on a “blanket” basis? What are the advantages and disadvantages of each option?
  • If I renovate my house, do I need to make any changes to my insurance coverage?
  • Do I need to have any specific insurance if hiring a nanny? What if we have someone come only once or twice a week? Does it matter if we pay her “off the books”? What if she’s undocumented? Do any of these factors change what are insurance needs are?