There are many advantages to a Private Client policy. Our homeowners policy offers protection broad enough to include unlimited Replacement Cost* for dwellings and extensive protection on personal property. We also include travel and ID theft assistance, as well as exceptional Loss of Use coverage in our homeowners policies. Private Client automobile policies automatically include Roadside Assistance and a 24 hours a day, 365 days a year concierge-style claims service.
We designed our homeowners policy with following benefits:
Our Risk Solutions Advisors are available to conduct a home inspection and consultation focusing on loss mitigation, insurance-to-value, underwriting validation, home safety, catastrophe evaluation and security.
In the unfortunate event of a loss, our claims professionals are committed to exceptional service and getting you back on your feet quickly.
WATERCRAFT LIABILITY & WATERCRAFT PHYSICAL DAMAGE
As a Private Client policyholder, you can cover damages and liability to your watercraft with an endorsement to your homeowners policy. Whether it’s a larger vessel or smaller recreational boat, we offer watercraft liability up to $1,000,000 and a wide range of physical damage coverages.
As part of this elected endorsement, physical damage coverages are comprehensive. The agreed amount coverage includes your watercraft, boating equipment and outboard motor in the event of a total loss. We also provide salvage expense coverage, up to 25% of your limit, as well as special limits for towing, personal effects and assistance expense.
Based on your individual needs, we will work with your agent to identify the best coverages and any protection credits that may be available. Speak to a Private Client appointed agent today for more information about our products and services.
Our personal collections insurance can be customized to meet your needs. Whether you select blanket coverage for an entire class of collections or individually schedule each item, your coverage applies worldwide, without deductibles. When you purchase a new item for an existing class, we will extend coverage to newly acquired articles for you*. The Private Client personal collections policy automatically includes breakage and pair-and-set coverages, should any damage occur to one or more pieces of the set.
Based on your individual collection, we will work with your agent to identify the best coverages and any protection credits that may be available. Speak to a Private Client appointed agent today for more information about our products and services.
All Private Client automobile policies automatically include Roadside Assistance, which provides flat tire repair, jump start service, coverage for trip interruption expenses and towing within 100 miles of where your car is disabled. In the event of a covered total loss, we offer auto loan and lease gap coverage to pay the difference between the financed amount of your vehicle and its market value. Agreed value coverage, an optional endorsement, is also available to protect your car against annual depreciation. Our automobile insurance includes pet injury coverage to pay for reasonable expenses incurred during a covered loss.
The Private Client New Car Replacement Coverage endorsement protects the value of your car, when less than three years old. You may also ask us to agree to a value at the time you place or renew your policy. That way, we would pay the stated amount, rather than the depreciated settlement amount determined at the time of loss.
In the event of a claim, you can reach us 24 hours a day, 365 days a year. You will have a dedicated claims professional to help you through the process by resolving your claim fairly and in a timely manner.
Best-in-class classic car coverages and services include Guaranteed Value coverage* to protect your car’s value, with no depreciation; flexible usage that allows limited pleasure use with no fixed mileage limits; and Hagerty’s experienced in-house claims team, trained in the art of classic vehicle repairs.
Our policy covers a wide range of vehicles, including classic and antique cars, trucks, motorcycles, and more.
Classic car insurance is currently only available in California but will be available in more states later this year.
*With our $0 deductible option, if you decide not to keep your vehicle after a covered total loss, you will receive a check for the vehicle’s insured amount.
Our personal excess liability policy grants you an additional layer of protection above your basic liability insurance, for added peace of mind. We offer high limits for Uninsured/Underinsured Motorist coverage, if you are involved in an accident with a driver who has insufficient or no liability insurance. Our policy also extends temporary personal excess liability coverage to motor vehicles you rent or borrow with no geographic limitation. In the unfortunate event of a lawsuit, your personal excess liability policy will allow you to consult with a law firm of your choice*. We even cover liabilities resulting from volunteer work, charitable activities and residence employees.
Private Client’s personal excess liability policy is a great investment to secure your financial stability, so you can focus on what's most important to you. Speak to a Private Client appointed agent today for more information about our products and services.