Standard insurance policies aren’t built for the homes, collections, and assets of high net worth NC families. Safenet Insurance Group has access to specialty high net worth (HNW) carrier programs â designed specifically for clients with significant home values, scheduled valuables, complex coverage needs, and high liability exposure. Call (336) 280-4606 or quote online.
Who Should Consider High Net Worth Coverage
HNW programs typically fit NC families with one or more of the following:
- Primary home valued at $750,000+ replacement cost
- Multiple homes (vacation, lake, mountain, beach)
- Significant jewelry, watch, art, wine, or collectible holdings
- Multiple high-value vehicles or collector cars
- Substantial liability exposure (business ownership, board service, public profile)
- Household staff (nannies, housekeepers, gardeners)
- Domestic and international travel exposure
What HNW Programs Offer That Standard Doesn’t
- Extended replacement cost or guaranteed replacement cost â the home gets rebuilt regardless of cost overruns
- Cash settlement option â choose to take cash without rebuilding
- Scheduled personal property at agreed value â jewelry, art, and collectibles paid at the scheduled amount with no proof-of-loss disputes
- Higher base liability limits â $500k or $1M built into the home policy
- Personal umbrella to $10M+ with specialty drop-down features
- Concierge claim handling â single point of contact and specialty adjusters
- Risk management resources â home appraisals, security assessments, valuables inventory tools
Carriers We Have Access To
Our HNW market access includes specialty carriers built specifically for affluent clients â programs that captive agents typically cannot write. We match the carrier to your specific situation, assets, and preferences.
Frequently Asked Questions
Do HNW programs cost more than standard insurance?
Sometimes, but not always. HNW programs are often competitively priced for the right client â and the broader coverage often pays for itself in a single claim.
Can you write umbrella above $5M?
Yes. We can structure personal umbrella coverage up to $10M+ for NC households with substantial assets to protect.
Do I qualify for an HNW program?
Most carriers look at total insured assets and lifestyle factors. We’ll review your situation in a confidential conversation.
Get an HNW Insurance Review
Call Safenet Insurance Group at (336) 280-4606. We’ll review your current coverage and recommend the right HNW carrier for your situation.