High Net Worth Insurance

Custom solutions for your unique risks, assets, and lifestyle.

High net worth insurance designed with you in mind.

People with large assets have unique risks. High net worth insurance is a customized policy type that protects clients from these risks—from home insurance to travel insurance and much more.

Protect your wealth with the right policy in place.

Despite the name, high net worth insurance isn’t simply a variation on ordinary personal insurance with higher coverage limits and higher premiums. Instead, it’s about recognizing that people with large assets have unique needs.

Combines coverages based on your needs.

One way high net worth insurance responds to this challenge is by bringing multiple areas of coverage and expertise together into a comprehensive insurance solution based on your individual needs. This usually includes coverage for your home(s), vehicles, travel, and even life insurance. The solution is custom-designed for your particular lifestyle, assets, and risks rather than simply combining “off-the-shelf” policy terms and conditions.

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High Net Worth Insurance

Real world example of how high net worth insurance works.

For example, you may want to look for coverage that ensures you’ll be able to repair a damaged vehicle using the repair shop of your choice and factory-original parts. You may also want to have your vehicle insured for the “agreed value” rather than the market value. This means that you and the insurance company agree to the payout amount upfront in the event of a total loss claim.

Specific coverage options for unique risks.

Of course, there are other unique risks to consider, as well. Household help (such as nannies or landscaping crews), identity theft, international travel, and more all have specialized insurance solutions to protect your wealth.

To discuss how high net worth insurance can meet your needs, contact us today.

High Net Worth Insurance

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Bringing Kindness to Pennsylvania

With two offices in Lemoyne, PA, The Kind Insurance is proud to serve clients throughout Pennsylvania. We are also licensed to serve clients in over seven other states.

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Medical Payments Coverage and Personal Injury Protection

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it’s important to understand what’s required where you live.

Note: Actual policies must be consulted for specific terms and conditions.

Rental Coverage / Loss of Use

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Note: Actual policies must be consulted for specific terms and conditions.

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Note: Actual policies must be consulted for specific terms and conditions.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Note: Actual policies must be consulted for specific terms and conditions.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Note: Actual policies must be consulted for specific terms and conditions.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn’t have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Note: Actual policies must be consulted for specific terms and conditions.

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