Einhorn Insurance specializes in insuring California’s high net worth residents.
Our agency works with numerous carriers that offer high end, customizable home insurance policies which cater to the unique needs and exposures of affluent individuals.
While most home insurance carriers target an average wage earner, wealthy Californians may require coverage beyond a standard “off-the-shelf” policy. Upon reviewing countless policies, we’ve noticed many affluent households are severely under-insured; leaving hard-earned assets exposed.
Some insurance agents, who don’t have an understanding or access to high value policies, will take a basic home insurance policy and add endorsements to increase coverage. This type of “layering” can leave wealthy California residents underinsured and jeopardize their financial well-being. Our goal is to make sure your family has the appropriate coverages that address your specific exposures.
Wealthy Californian’s work hard to achieve their lifestyle and acquired assets. It only takes an at-fault car accident, a guest slipping and falling at your home, an accidental injury, a dog biting/injuring someone, or someone taking something you say or post on social media out of context and suing you for libel/slander, for you to potentially lose your empire.
High Net Worth Home Insurance in California coverage includes (but isn’t limited to):
- Private collections
- Collectibles
- Decorative furnishing, fixtures and decor
- Artwork
- Rugs
- Furs
- Guns
- Wines
- Security Equipment
- Kidnap & Ransom
- Coverage for staff working in and on your property.
- Identity Theft
- High end furniture
As a society, we are living in a time where in minutes, the internet can provide significant information (whether true or false) about us. You no longer need to be famous or in the public eye for someone to estimate your net worth. In the event of an insurance claim, it’s unbelievable how quickly someone’s injuries can escalate once they find out who you are and the type of assets you may own. We strongly encourage you to protect yourself and your assets with insurance policies specifically tailored to insure California’s high net worth and elite individuals.
