Personal Lines & High Net Worth
Coverage Guide — Nationwide Independent Agency
acolli@insurenoble.com | (305) 907-7995 | insurenoble.com
WHO WE ARE
Noble Insurance is a nationwide independent insurance agency. We are not captive to any single carrier — we shop the market across dozens of top-rated insurers to build the right program at the right price for every client.
While we serve businesses of all types, our personal lines practice focuses on the full spectrum of individual and family insurance needs — from standard homeowners to comprehensive high net worth Private Client programs. We are specialists in protecting the people behind the businesses.
HIGH NET WORTH & PRIVATE CLIENT PROGRAMS
| Protecting Affluent Families and Their Assets High net worth individuals and families face risks that standard insurance programs are not designed to address. A $3M home insured on a standard homeowners policy will never be made whole after a total loss. A jewelry collection worth $500,000 with a $5,000 sub-limit will leave a family devastated. Noble Insurance accesses the Private Client marketplace — including AIG Private Client, Chubb Masterpiece, PURE Insurance, and other specialty luxury carriers — to build programs that reflect the true value of a client’s assets, with: • Agreed value and guaranteed replacement cost on homes and contents • No coinsurance penalties or coverage gaps • White-glove claims handling with dedicated adjusters • Worldwide coverage for jewelry, art, and valuables • Single-source risk management for the entire household • Personal umbrella / excess liability up to $25M+ For financial planners, wealth managers, attorneys, and CPAs — Noble Insurance is the personal lines partner your clients deserve. |
PERSONAL LINES COVERAGE — COMPLETE GUIDE
All personal and high net worth coverages available through Noble Insurance
| Coverage | What It Covers |
|---|---|
| High Net Worth / Luxury Home | Agreed value and guaranteed replacement cost programs — AIG Private Client, Chubb, PURE, and other luxury markets. No coinsurance penalties. White-glove claims service. |
| Primary Residence — Standard | Full replacement cost homeowners coverage for primary residences at all value levels — single carrier or layered programs. |
| Secondary & Vacation Homes | Coverage for beach homes, mountain retreats, and vacation properties, including seasonal and rental-use exposures. |
| Condominium Insurance | HO-6 condo coverage for interior improvements, personal property, and loss assessment. Includes gap analysis against master condo policy. |
| Renters Insurance | Personal property, liability, and additional living expenses for renters at any level. |
| Umbrella / Personal Excess Liability | Broad personal liability coverage well above underlying home and auto limits. Minimum $1M — up to $25M+ for high net worth clients. Covers libel, slander, defamation, and worldwide liability. |
| Personal Auto Insurance | Standard personal vehicles — liability, comprehensive, collision, UM/UIM, and rental reimbursement. |
| Collector & Exotic Car Insurance | Agreed value coverage for collector, classic, exotic, and high-performance vehicles. Includes roadside, concours, and spare parts coverage. |
| Motorcycle Insurance | Standard and custom motorcycle coverage including liability, physical damage, and accessory coverage. |
| Yacht & Offshore Marine Insurance | Coverage for offshore yachts, sportfish boats, and high-value watercraft. Includes agreed hull value, P&I liability, medical payments, and uninsured boater. |
| Boat & Personal Watercraft | Coverage for smaller boats, jet skis, and personal watercraft. Liability and physical damage. |
| Jewelry & Fine Watches | Scheduled or blanket coverage for high-value jewelry, diamond collections, and luxury watches. Worldwide, no deductible options available. |
| Fine Art & Sculpture | Coverage for paintings, sculpture, photography, and fine art collections — at home, in storage, or on loan. Agreed value, no deductible options. |
| Wine & Spirits Collections | Coverage for private wine and spirits collections — breakage, temperature spoilage, and theft. |
| Antiques & Collectibles | Scheduled coverage for antique furniture, coins, memorabilia, and other specialty collections. |
| Furs & Luxury Clothing | Scheduled coverage for fur coats and luxury garments. |
| Identity Theft Protection | Recovery expenses and legal assistance following identity theft or fraud. |
| Cyber / Home Network Liability | Personal cyber liability coverage for data breaches, cyber extortion, and social media liability for individuals and families. |
| Private Flood Insurance | Private market flood coverage with broader terms and higher limits than standard NFIP policies. |
| Earthquake Insurance | Personal earthquake coverage for primary and secondary residences. |
| Kidnap & Ransom — Family Protection | Protection for high net worth families — ransom, extortion, and crisis response services. |
| Domestic Staff / Household Employees | Workers’ compensation and employer liability for housekeepers, nannies, personal assistants, and estate staff. |
| Vacant / Second Home Between Seasons | Coverage for properties unoccupied for extended periods — specialty vacant home endorsements. |
LIFE INSURANCE & FINANCIAL PROTECTION
Protecting your clients’ income, estate, and legacy is the natural extension of a complete personal risk program. Noble Insurance offers a full range of life and financial protection products.
| Coverage | Description |
|---|---|
| Term Life Insurance | Level death benefit for a defined period — instant online quote available at insurenoble.com |
| Permanent / Whole Life Insurance | Lifelong protection with cash value accumulation — estate planning and wealth transfer vehicle |
| Universal Life Insurance | Flexible premium permanent life with adjustable death benefit — investment and protection combined |
| Fixed Annuities | Guaranteed interest growth for retirement income planning |
| Mortgage Protection Insurance | Pays off mortgage balance on death or disability |
| Final Expense / Burial Insurance | Simplified-issue coverage for end-of-life costs — no medical exam |
| Disability Income Insurance | Replaces income if the insured cannot work due to illness or injury |
FORENSIC RISK ANALYSIS — PERSONAL LINES
| Most affluent families have insurance. Few have the RIGHT insurance. Noble Insurance’s proprietary Forensic Risk Analysis uncovers the coverage gaps that standard renewals miss. For personal lines clients, the most common gaps include: • Homes insured at purchase price rather than true replacement cost • Jewelry and art sub-limits that cover a fraction of actual value • No personal umbrella — or umbrella limits below contract and liability requirements • Watercraft and exotic vehicles excluded or improperly covered • Domestic staff and household employees creating unaddressed employer liability • Flood and earthquake entirely excluded from standard homeowners policies • No cyber / identity theft protection for the individual or family The Forensic Risk Analysis is available as a complimentary service for qualified clients and referral partners. |
COMMERCIAL LINES — WE ALSO SERVE YOUR BUSINESS
Noble Insurance’s commercial practice covers the full spectrum of business insurance needs. Whether your client owns a small business or a large enterprise, we have the market access and expertise to build the right program.
| Commercial Coverage | Description |
|---|---|
| Business Insurance (BOP, GL, Property) | Comprehensive protection for businesses of all types and sizes |
| Commercial Auto & Fleet | Coverage for business vehicles — liability, physical damage, and cargo |
| Workers’ Compensation | Statutory employee injury coverage — nationwide |
| Professional Liability / E&O | Protection for consultants, advisors, and service professionals |
| Cyber Liability | First and third-party cyber, ransomware, and data breach coverage |
| Directors & Officers (D&O) | Management liability for privately held and public companies |
| Builders’ Risk & Construction | Ground-break to certificate of occupancy — full project lifecycle |
| Commercial Umbrella | Excess liability above all underlying commercial policies |
| Surety Bonds | Bid, performance, payment, and license bonds |
| And many more… | Ask us about any commercial coverage need — we shop the full market |
