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Are
you with a carrier and agent who specializes
in High Value personal lines ?
We specialize in High Value personal insurance programs.
We can combine your Home, Auto, Personal Liability, Boat/Yacht
and Valuable Articles needs into one custom program, with
the same or various carriers to suit your needs.
Who
Qualifies ?
- Do
you have a home with a reconstruction cost above 500,000
?
- Do
you have a vacation home, or investment properties ?
- Does
your garage have auto's just for the weekend ?
- Do
you have a need for Liability limits of 2, 5, 10,
20 or even 100 Million in Personal Liability ?
- Do
you know your insurance representative on a first name
basis and count on them ?
If
you answered yes to ANY of the above questions you may benefit
by a confidential call to WRG.
The
professionals at WRG will help determine which program
is best for your needs.
We represent the products of many
fine "high value" personal insurance companies,
names you know, and trust like: AIG Private Client Group®, Chubb Masterpiece®, Atlantic Mutual Masterplan®.
Additionally we offerTravelers High
Value Home the Preferred Mutual
Pinnacle Home® product, The Hartford Platinum®, Adirondack Custom Paq Elite®, Kemper Auto and Home®, and Erie & Niagra® for those unique situations. Why so many ?, well not all carriers are right for your needs and budget. Thats what makes us such a strong agency to work with.
Did
you know that Dwelling "Replacement Cost" provisions can vary between insurance carriers. One carriers "replacement cost" may not have the same contract
wording as another carrier. In the example of high value
programs this can be a key factor in your decision and in
determining the reconstruction cost, or (ITV) Insurance
To Value amount. We are happy to explain the differences
and help you understand how your high value home will be
treated in the event of a covered loss.
Did
you know that not all traditional liability programs
include coverage for Personal injury (libel, slander
and invasion of privacy). Does yours ? If you don't know,
then we should speak. Please call Keith @ 845-986-2211 x330.
Some
Important Features that separate High Value Home Insurance
Programs from traditional home insurance.
All Personal insurance programs are not the same. High Value
homes may offer broader coverages* and contract terms* like:
- All
Risk Dwelling with increased, extended or Unlimited Replacement
Cost *, ++
- All
Risk Contents *, ++
- Replacement
cost cash out options *
- Unlimited
Rebuilding to Code *
- Higher
Loss Assessment Limits (when applicable) *
- Water
Backup of Sewers and Drains *
- Business
Personal Property Coverages *
- Food
Spoilage *
- Higher
Standard Limits for Jewelry, Furs, Securities, Silverware,
Collectible Stamps & Coins, Guns and Money *
- Identity
Fraud *
- Mortgage
Renegotiation **
- Kidnap
Expense *+
- Personal
Injury *
*
This is broad list of coverage's that may be available from
our high value home carriers and is intentionally brief.
Each carriers form is unique and limits may vary. In any
case the actual policy contract. term's and conditions will
apply. Sample policy is available for review. ** Mortgage
renegoation is Unique to Atlantic Mutual. *+ Kidnap expense
is Unique to Chubb and may require a separate endorsement.
++ Dwelling Replacement cost provisions vary greatly between
carriers. In the example of high value programs this can
be a key factor in your decision. We are happy to explain
the differences. All risk contents coverage is optional
with some carriers.
Most
of all, you will get to know us, as we get to know you. Yes,
we still make house calls as well, working with you every
step along the way to make sure that you are comfortable and
satisfied.
We
have top carriers that will insure Homes with EIFS (Synthetic
Stucco). Call and ask for Keith @ 845-986-2211 for details.
So
if you are moving into town, or well established you owe
it to yourself to give us a call:
CALL
Keith at 845-986-2211
888-474-6369
email 
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