High Net Worth Programs
from Securance
Securance specializes in finding solutions for high net worth individuals. We have specialty markets for Home, Auto, and Liability insurance that address the specific concerns of these clients.
We insure clients throughout Houston, the state of Texas, and across the country.
High-Value Homeowners
Insurance
Our professional advisors will examine your home’s assets and put together a proposal to protect you from liability lawsuits and property loss, including damage to your dwelling, furnishings, all structures (garages, guesthouses), and valuables such as jewelry, fine art, and other collections. We will also examine your current program to see if you are adequately covered. Your coverage may fall short due to coverage gaps, amounts that do not accurately represent the value of your home and possessions, or liability limits that do not address your financial exposure. With high-value Homeowners insurance, there are several unique coverage features we can provide, including but not limited to the following:​
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​​All-risk coverage
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High primary and excess liability limits​
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​High property insurance amounts
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Extended or guaranteed replacement cost to repair or rebuild your home to its original beauty, including necessary upgrades to meet current building codes
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​​Cash settlement option should you decide not to rebuild after a loss
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Replacement cost for the contents inside your home, up to the limit you choose on the policy so that there is no depreciation in the event of a covered loss
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Generous additional living expenses that kick in if you are displaced during
repairs/rebuilding due to damage to your dwelling
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Special insurance riders and policies for private collections
Our carrier partners provide invaluable risk consulting services to assist clients in mitigating losses, such as water detection systems, and protective safeguards, for severe weather events like hurricanes and wildfires. In the event of a loss, a team of adjusters will be available to you 24/7, as well as loss mitigation and restoration teams at your home to assist you in preventing further loss. Our carrier partners’ claims specialists can assist you in selecting skilled artisans to perform any restoration or repair work. Personal liability claims can also be resolved with the assistance of experienced counsel.
High-Value
Automobile Insurance
We have specialized programs to insure luxury cars, collector and vintage vehicles, and multiple drivers in the household. Together with our carrier partners, our goal is to protect you and, in the event of an accident, get you back on the road quickly. We have policies that will provide higher limits than standard Auto insurance to help protect your assets.
We can also provide you with an Auto insurance program that includes agreed-value protection for your vehicles regardless of depreciation, worldwide rental coverage, choice of repair shop, use of OEM parts only, rental coverage, and a cash settlement option.
Additional Coverage for High Net Worth Individuals
Securance also offers specialized insurance policies to protect your high-value property and provide a safety net in the event of litigation:
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Jewelry, Fine Art, and Collections​
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Watercraft & Recreational Vehicles​
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Aviation
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Investment Properties​
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Vacation Homes​
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Flood/Excess Flood
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Earthquake
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Farms/Ranches
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Family Offices
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Kidnap and Ransom
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High-Value Umbrella Liability
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Employment Practices Liability
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Cyber Coverage
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Workers' Compensation for Domestic Workers
Our Independence
Delivers Value
Securance is recognized as one of the top independent insurance agencies. The professionals at Securance work on your behalf to negotiate coverage terms and pricing for your needs. We have access to a network of leading insurance carriers to offer you competitively priced custom coverage solutions. We’ve earned the trust of thousands of clients across the country because of the value we deliver as demonstrated by our responsive service, expertise, experience, and commitment to offering comprehensive protection.
You will always have a person to talk to at Securance.
Give us a call at 713-977-6606.
