High-Value Homeowners Insurance


New Jersey is one of the wealthiest states in the nation, and northern New Jersey is by far the most affluent region in the state. As a result, you’ll find some of the most beautiful, luxurious homes here (as well as in neighboring New York and Pennsylvania), from mansions built during the country’s Gilded Age to modern marvels of glass and steel. For more than 60 years, Tri-State Insurance Agency has provided expertise, unparalleled service, and coverage from the finest insurance providers in the industry to our most discriminating clients.

Concierge-level service for our special clients.

We are dedicated professionals who have earned the trust of our high-net-worth clients because we understand the unique and specific risks they face, beginning with stunning homes that are often valued in the many millions of dollars. To protect these major investments appropriately requires detailed knowledge of rare building materials, interior appointments and furnishings, and additional structures on the property such as guesthouses and garages. Also key is properly assessing the value of jewelry, antiques, fine art, silverware, important collections of stamps, wine, rare books, Persian rugs, and so on, and insuring these precious items with the appropriate coverage or endorsements.

This kind of comprehensive review requires the services of an expert. In that regard, the professionals at Tri-State have years of special training that equips them to perform detailed cost analyses that form the basis of determining true replacement costs for the home and all its contents. These assessments are crucial, because their accuracy will help determine whether all the aspects of rebuilding an historic or custom-built luxury home have been taken into consideration. The superior craftsmanship, high-quality materials and other characteristics that typically are evident in such homes may not be reflected in the standard industry calculators that estimate costs to rebuild, resulting in a program that does not offer adequate protection.

By the same token, high-net-worth individuals have greater needs for liability coverage, in the event someone is injured on their property. We review those liability-increasing risks such as the presence of a swimming pool, trampoline, or tennis court and assess the amount of coverage in place under the homeowners policy. To provide increased protection from the risk of a multimillion-dollar liability lawsuit, we may likely suggest adding a high-value umbrella policy as well. Pinpointing gaps in coverage, as well as inadequate or excessive amounts of insurance, is part of our service, as is making sure our clients have a clear understanding of and are comfortable with the program we recommend.

Let us extend our white-glove service to you.

Throughout Pennsylvania, northern New Jersey, New York and surrounding environs, let Tri-State Insurance Agency serve as the go-to professional for our high-value clients’ personal insurance needs. For a free consultation and quote, we invite you to call us toll-free at (888) 990-0526.

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