Title: High Net Worth Insurance Author: Kevin Published: February 27, 2016 --- # High Net Worth Insurance ## Looking for High Net Worth Insurance in Dublin? Did you know that most high-net worth households are **severely** under-insured? This is because many insurance consumers are unaware that there are insurance companies and products out there _specifically_ designed for high net worth individuals and families. **Don’t just rely on any policy for your insurance needs!** The truth is, high net worth families have different needs when it comes to their insurance coverage, which is why Lovett Insurance Agency offers concierge level service, and fully customizable insurance policies to meet the unique, and often demanding needs of higher net worth households. ### Our high net worth coverage includes coverage for: * primary, secondary, vacation homes * private collections & collectibles * identity theft * kidnap and ransom * rugs & furs * high end furniture * artwork * high end autos When it comes to replacing the lost income of high earners, traditional insurance plans are often times inadequate because the policy language is too restrictive. If you are a high earner, don’t jeopardize your family’s financial well-being. Contact us to find out how high net worth coverage can assure that everything you’ve worked for will be protected! ## High Value Homeowners Insurance If your like most homeowners, your home is your single greatest asset. It should be insured as such. What many homeowners don’t realize is that most standard H03 policies (fancy word for homeowners policy contract) aren’t robust enough to handle a high value home. Even policies that are referred to as “high value” policies are often times really just standard H03 policies with riders attached to beef them up. These types of policies aren’t bad, but in most cases they are not appropriate for truly high value homes. Insuring your home adequately is serious business. At Lovett Insurance Agency we can customize a high value homeowners policy specifically for your home — no cookie cutter policies here. ## High Value Homeowners Quoting Process Quoting a high value home is different than quoting a standard home. 95% of the time, we will need to do a thorough, on-site inspection of the property to identify certain characteristics and the overall build quality of the home. After we collect this information, we will then need to prepare the necessary documentation and applications to submit our proposal to the high value insurance carrier. After the insurance company reviews the applications and returns their initial quote, we may need to adjust certain limits and coverages. Once the quote is agreed upon and bound, the insurance company will often times complete their own physical survey and inspection of the home a few weeks later to ensure that the policy is 110% accurate. Sometimes, coverages will be adjusted after the carriers inspection. ## High Value Auto Insurance Just like many standard homeowners policies are inadequate for high value homes, the same can be said for high value auto insurance. Traditional auto insurance policies are often times more restrictive than you might need if you have a high value vehicle. At Lovett Insurance Agency, we can help you whether you’re looking for high value homeowners insurance, auto, or umbrella, we will work together with you to build a custom insurance program for your specific needs. ## How to get started on your quote To get started on your quote, [**call**](https://www.lovettinsurance.com/contact/?output_format=md) our office or click over to our **[quotes page](https://www.lovettinsurance.com/quotes/?output_format=md)**. Either way we’ll make the process simple! #### Would You Like Us To Review Your Policies? * Are you a current client of our agency?* - Yes - No * What policy number(s) do you need help with if available? * | | [](https://www.lovettinsurance.com/personal/high-net-worth-insurance/void(0);?output_format=md) [](https://www.lovettinsurance.com/personal/high-net-worth-insurance/void(0);?output_format=md) | * What is the nature of your inquiry?* - General Question - ID Card Request - Policy Change Request - Discuss A Claim - Certificate of Insurance * Describe your policy change request * What date do you need this policy change/request to take effect?* * Which vehicle do you need an ID card for (please enter year, make, and model)? * | Year | Make | Model |   | | | | | [](https://www.lovettinsurance.com/personal/high-net-worth-insurance/void(0);?output_format=md) [](https://www.lovettinsurance.com/personal/high-net-worth-insurance/void(0);?output_format=md) | * Your Name* * First Last * Your Email* * Your Phone* * Please list the Additional Insured and/or Certificate Holder * Additional Insured and/or Certificate Holder Address * Street Address Address Line 2 City State / Province / Region ZIP / Postal Code * Details regarding your question, policy change, claim or other request:* ### Request Your Proposal Here Are you ready to save time, aggravation, and money? The team at Lovett Insurance Agency is here and ready to make the process as painless as possible. We look forward to meeting you! [ Start Here ](https://www.lovettinsurance.com/quotes/?output_format=md)