Is your high-value home truly protected?
Shielding your unique estate from today's ever-changing risks requires an understanding that comes with professional experience — and tailored insurance solutions.
Let's start with a conversationWhen standard homeowners insurance is not enough.
With over a century of experience, our privately held agency takes pride in caring for homeowners of prestige and distinction. Standard homeowners insurance often falls short when it comes to safeguarding the true worth of a distinguished residence.
Our high-value home programs are tailored to your requirements, with coverage that goes beyond ordinary limits to protect your assets and the refined living your home represents.
Trust a time-honored legacy and an unwavering commitment to your security — and preserve your property's legacy for generations to come.
Built for estates, placed with Chubb and PURE.
As an independent agency we compare high net worth programs side by side and place the program that fits the property — not the carrier of convenience.
- Extended replacement cost — rebuild even if it exceeds the limit
- Cash settlement options on a total loss
- Worldwide, all-risk coverage for scheduled jewelry, art and wine
- Water backup, service line and equipment breakdown
- Umbrella liability from $1M to $100M
- Household staff and employment practices coverage
- Loss prevention services, including home appraisals and risk scans
- One deductible across multiple covered properties
Eleven reasons clients bring their estate to Emery & Webb.
- 01
Comprehensive coverage
Extensive protection for luxury properties against a wide range of risks — natural disaster, theft and liability.
- 02
Elevated property value
Limits that reflect the substantial worth of the property, with the ability to rebuild or repair after a covered loss.
- 03
Unique features & upgrades
Recognition of custom architecture, millwork, and high-end upgrades that a standard form simply doesn't value.
- 04
Valuable assets
Coverage for fine art, jewelry, antiques and collectibles against damage, theft or loss.
- 05
Enhanced liability protection
Higher liability limits protecting assets and finances in the event of a suit arising from the property.
- 06
Personalized service
Dedicated, specialized support from advisors who understand how our clients actually live.
- 07
Reputation & stability
Programs from carriers with a long-standing history of serving affluent clientele.
- 08
Risk management
Proactive risk assessment, mitigation strategies and loss-prevention measures.
- 09
Concierge services
Home security consultations, appraisal assistance, and access to trusted contractors and vendors.
- 10
Flexibility & customization
Coverage options that flex to unique needs and preferences rather than a fixed template.
- 11
Peace of mind
Confidence that the property and its contents are properly protected, with real support when it matters.
Request an estate insurance review.
Share a few details about your home and current coverage. A Private Client account manager will follow up within one business day.
Protect the home — and everything in it.
Estates, collections, collector cars and excess liability, coordinated under one Private Client program.