High-Net-Worth Home & Auto Insurance for Kansas City Families
A $1M+ home needs more than a standard policy with a higher limit bolted on. We place private client coverage through Chubb, AIG, and Vault, carriers built around guaranteed replacement cost, valuable articles coverage, and a dedicated claims adjuster instead of a call center queue.
Coverage Built for What You Actually Own
Standard carriers raise your dwelling limit and call it solved. Private client carriers rebuild the policy around your actual risk.
Guaranteed Replacement Cost
Rebuild your home at today's construction costs, not a figure capped by your original policy limit.
Valuable Articles & Collections
Blanket scheduling for jewelry, art, and wine collections, with no per-item sub-limits to work around.
Coverage A up to $5M
Dwelling limits up to $5M through National General, with Chubb, AIG, and Vault available for homes that go beyond it.
Specialty Auto & Collections
Agreed-value coverage through Hagerty's private client program for collections insured over $500,000.
A Dedicated Adjuster, Not a Call Center
Private client carriers assign one adjuster to your claim start to finish, and settle fast because retention matters more to them than it does to a mass-market carrier.
High-Limit Umbrella Coverage
Liability protection sized to what you actually have to lose, not a standard $1M umbrella limit.
Why Kansas City's High-Net-Worth Families Work With Us
Private client insurance is a different market than standard home and auto. It takes carrier access most agencies don't have, and claims experience to back it up.
Direct Access to Chubb, AIG & Vault
Most agencies can't place these carriers at all. We can, plus National General up to $5M in Coverage A and Hagerty's private client program for collections over $500,000.
Built Around What You Own
We audit your home, collections, and liability exposure before recommending a carrier, instead of raising your current policy's limit and calling it solved.
Claims Advocacy, Start to Finish
Private client carriers assign a dedicated adjuster to your claim, not a call center queue. With 12 years leading claims departments, we work that process alongside you.
Built on Claims Experience, Not Just Carrier Access
Carrier access gets you in the door. What happens after a loss is what actually matters, and that's where a claims background changes the outcome.
Years of Insurance Experience
Years Leading Claims Departments
Licensed in 5 States
Find Out What You're Actually Exposed To
Most high-value homes are underinsured in ways the owner never finds out about until a claim exposes it. Let's review your coverage before that happens.
Private Client Insurance Questions
What Kansas City homeowners ask us most about high-net-worth coverage.
Private client carriers like Chubb, AIG, and Vault build the policy around guaranteed replacement cost, blanket coverage for valuables, and higher liability limits, instead of a standard form with the dwelling limit raised. Claims also run through a dedicated adjuster rather than a general call center.
Guaranteed Replacement Cost rebuilds your home at full cost with no cap, even if construction costs exceed your policy limit. Extended Replacement Cost caps it at a percentage above your limit, typically 25-50%. Chubb, AIG, and Vault generally offer true guaranteed coverage; most standard carriers only offer extended.
Most private client carriers start around $750,000 to $1M in dwelling value. We can place Coverage A up to $5M through National General for homes below that full private-client threshold, and route to Chubb, AIG, or Vault for homes and collections that need more.
Usually not at full value. A standard policy pays actual cash value, which can fall well short on a collector car or a specialty vehicle. Through Hagerty's private client program, collections insured over $500,000 get agreed-value coverage, so the car is insured for what it's actually worth, not depreciated like a daily driver.
Still have questions about your specific home or collection? Call (913) 242-0373, or schedule a call below.