Guaranteed replacement cost for primary homes, vacation properties, and seasonal residences — with ordinance, law, and water-backup protection built in.

Agreed-value, blanket coverage for art, jewelry, wine, and watches. No deductibles, worldwide protection, and no need to schedule every item.

Agreed-value policies for collector cars, exotics, and daily luxury vehicles — coverage that follows the car with OEM parts guarantees.

Hull, liability, and crew coverage for vessels of all sizes, with agreed hull value and worldwide cruising territory through specialty marine markets.

Excess liability protection up to $25M or more, covering claims that exceed underlying auto, home, and watercraft limits. Defense costs included, with worldwide coverage provisions.

Personal cyber liability, ransomware response, and identity theft coverage tailored for high- profile individuals and family offices — with access to dedicated incident response teams.