Not every insurance company writes high-net-worth coverage — and among those that do, coverage philosophy, claims service, and appetite for specific risks (coastal exposure, wildfire, fine art, classic cars) vary significantly. As an independent agency, CAP Insurance Group’s job is to know these differences and match your household to the right one, not sell you the only option on the shelf.
The Specialty Carrier Landscape
- Chubb — widely considered the longest-established name in high-net-worth personal lines, known for broad valuables and liability coverage.
- PURE (Privilege Underwriters Reciprocal Exchange) — a member-owned reciprocal insurer focused exclusively on HNW households, known for strong claims service.
- Cincinnati Private Client — Cincinnati Insurance’s high-net-worth division, often available through independent agents in the Southeast.
- AIG Private Client Group — another long-standing HNW specialist with broad worldwide coverage options.
- Travelers Insurance – High Value Home Program
Why the Carrier Choice Matters More Than the Premium
For most standard insurance, price is the main differentiator between carriers. For high-net-worth coverage, the more important differences are underwriting appetite (will they even write your specific home or collection), claims philosophy (do they settle fairly and quickly, or fight every claim), and risk-management resources (do they help you prevent losses, not just pay for them after the fact).
How CAP Chooses Among Them
At CAP Insurance Group – we conduct a thorough review of your risk profile. We match your assets with the carrier that provides you with the best price and coverage available. We tailor specific recommendations based on your age and stage of life.
Curious which HNW carrier is the best fit for your home and collections? CAP Insurance Group will walk you through the real differences — call (704) 540-4200.