High-value personal · by appointment
For things worth reading the policy on.
Houses over $1.5M, cars worth more than the house's down payment, art collections, watercraft. We write through carriers who actually understand them: Chubb, PURE, AIG Private Client, Cincinnati Executive, Berkley One.
· What an annual review looks like
Sample · the Lakewood schedule.
Illustrative, hypothetical. Six policies across four carriers, $3.2M scheduled, 8 findings surfaced in the last review. This is the shape of a typical HV stack and the kind of review we run on it — names changed, every number is for example.
Scheduled value
$3.2M
Policies in stack
6
Carriers
4
Findings · last review
8
Mission Hills residence
Home
- Carrier
- Chubb
- Policy
- MASTERPIECE-2026-A
- Value
- $2.4M
- Premium
- (call for current pricing)
Replace at agreed value · ✓
1967 Mustang Shelby GT500
Auto · classic
- Carrier
- Hagerty
- Policy
- CLASSIC-9182
- Value
- $210K
- Premium
- (call for current pricing)
Agreed-val · 5K mi cap · ⚠ tight
2023 Porsche 911 GT3
Auto · modern
- Carrier
- Chubb Classic
- Policy
- CC-87213
- Value
- $240K
- Premium
- (call for current pricing)
Track-day endorsed · ✓
Daily-driver SUV
Auto · personal
- Carrier
- PURE
- Policy
- AUTO-44512
- Value
- ,
- Premium
- (call for current pricing)
Standard · ✓
Art collection (12 pieces)
Fine art
- Carrier
- Chubb
- Policy
- COLL-2026
- Value
- $340K
- Premium
- (call for current pricing)
↑ Appraisal due · 2026-Q3
$10M umbrella
Excess
- Carrier
- PURE
- Policy
- UMB-9914
- Value
- ,
- Premium
- (call for current pricing)
Layered to NW · ✓
| Item | Category | Carrier | Policy | Sched. value | Premium | Note |
|---|---|---|---|---|---|---|
| Mission Hills residence | Home | Chubb | MASTERPIECE-2026-A | $2.4M | (call for current pricing) | Replace at agreed value · ✓ |
| 1967 Mustang Shelby GT500 | Auto · classic | Hagerty | CLASSIC-9182 | $210K | (call for current pricing) | Agreed-val · 5K mi cap · ⚠ tight |
| 2023 Porsche 911 GT3 | Auto · modern | Chubb Classic | CC-87213 | $240K | (call for current pricing) | Track-day endorsed · ✓ |
| Daily-driver SUV | Auto · personal | PURE | AUTO-44512 | , | (call for current pricing) | Standard · ✓ |
| Art collection (12 pieces) | Fine art | Chubb | COLL-2026 | $340K | (call for current pricing) | ↑ Appraisal due · 2026-Q3 |
| $10M umbrella | Excess | PURE | UMB-9914 | , | (call for current pricing) | Layered to NW · ✓ |
· Findings · last review · 8 items
- Mustang mileage cap → bumping to 7.5K (no cost)
- Art collection appraisal aged 4 yrs → ordered fresh
- Pool-house outbuilding not on dwelling schedule
- UM/UIM auto < umbrella underlying req, fixed
- Charter excursion to Caribbean not endorsed (future-noted)
- New iPad Pro / studio gear → added to inland marine
- Domestic-staff WC carrier change (rate dropped 12%)
- New-acquisitions clause for art was 60-day → now 90
Five domains we serve.
Same five domains across the practice — homes, vehicles, art, watercraft, excess. We coordinate the full stack, including domestic staff and household payroll where applicable.