High Net Worth Insurance in California — A Comprehensive Approach to Protecting Everything You've Built.
When your assets span a primary home, investment properties, luxury vehicles, valuable collections, and significant net worth, off-the-shelf insurance policies leave dangerous gaps. Stonecrest provides coordinated private client coverage — placing your entire risk profile with carriers built for it.
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Most Insurance Is Bought. Private Client Insurance Is Designed.
High-net-worth individuals need a risk management advisor, not just a policy vendor. We review your complete asset picture and coordinate coverage that actually works together.
Primary Residence
Agreed value coverage on your home means no depreciation, no negotiation at claim time. Specialty carriers assess your home's actual rebuild cost — custom finishes, architectural details, and all.
Second Homes & Investment Properties
Vacation homes, lake houses, mountain retreats, and rental properties each carry distinct risks. We coordinate coverage across all your properties under a unified program.
Luxury & Collector Vehicles
From daily drivers to garage queens, agreed value coverage through Chubb, PURE, or Hagerty protects your fleet at its actual worth. One policy, multiple vehicles, no hassle.
Valuable Collections
Fine art, jewelry, wine, watches, antiques, and firearms require scheduled coverage beyond standard policy sub-limits. We catalog and insure your collections at appraised or agreed value with no deductible options.
Personal Umbrella — $5M to $25M
Standard umbrella policies top out at $5M. High-net-worth individuals often need $10M–$25M in excess liability — particularly if they serve on boards, employ household staff, or own recreational assets.
One Conversation. Complete Coverage.
We review your full asset picture and coordinate coverage across every exposure — so nothing falls through the gaps.
Schedule a Consultation Call Us DirectlyCoverage Categories Most Agents Never Mention
High-net-worth families face risks that standard policies are never designed to address. These are the coverages that matter at your level.
Watercraft & Aviation
Yachts, sailboats, personal watercraft, and aircraft carry specialized liability and physical damage exposures. We place marine and aviation coverage through markets that understand these assets.
Household Staff Liability
If you employ housekeepers, groundskeepers, nannies, or personal assistants, employment practices liability and workers' compensation are not optional exposures. A single claim without coverage can be financially devastating.
Identity Theft & Cyber Protection
High-profile individuals are disproportionate targets for identity theft, social engineering, and cyber fraud. Personal cyber coverage reimburses losses and provides response services that standard policies exclude.
Kidnap, Ransom & Extortion
KRE coverage provides response resources and reimbursement in the event of a kidnapping, extortion attempt, or ransom demand. Typically $1M–$5M in coverage with expert crisis response teams.
Earthquake & Flood
Standard homeowners policies exclude both. California's high-net-worth homeowners who also own properties in coastal or seismically active areas need coordinated earthquake and flood coverage as part of a complete program.
Estate & Trust Asset Protection
Homes and property held in trusts, LLCs, or family partnerships require careful policy structuring to ensure coverage extends to the correct legal entities. We coordinate with your estate counsel to get this right.
Private Client Experience — Without the Private Bank Fees.
Large financial institutions offer private client insurance programs — but at substantial cost and through captive agents limited to one carrier. Stonecrest provides the same level of service and carrier access as an independent agency, meaning we work for you — not for a single insurer.
- Access to PURE, Chubb, AIG Private Client, Cincinnati, and specialty markets
- Coordinated coverage review across your entire asset portfolio
- Scheduled valuables and collections cataloging assistance
- Annual reviews as your assets, properties, and family situation change
- Coordination with your financial advisor, estate attorney, and CPA
- Local offices in Citrus Heights and Fresno — real people, not a call center
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- Local California agents — real people, real answers
- Average client saves $680/year after switching
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