The numbers your broker
never showed you.
$842,000
average claim value for a single water damage event in a furnished luxury rental.
A burst pipe in the apartment above yours. Your Steinway, your rugs, your first-edition shelves. None of it on your landlord's policy.
$1,500
maximum jewelry coverage on a standard renters policy — regardless of what you're wearing.
The Cartier you travel with. The Patek on the nightstand. Standard policies treat a $90,000 watch the same as a $90 watch.
$2,500
typical fine art coverage ceiling in a conventional renters policy.
The signed Basquiat above the fireplace. The Hirst print in the study. Two-thousand-five-hundred dollars. Read that again.
1 in 67
insured homes experiences a property damage claim from water damage or freezing each year.
In Manhattan high-rises, the odds are shorter. Eighteen floors of plumbing above you. One failure is all it takes.
$0
covered under a standard renters policy for flooding from outside the building.
Climate-controlled wine cellar three floors below street level. Standard flood exclusion. Your 2009 Pétrus is on its own.
47 days
average settlement time for a contested high-value claim with a standard carrier.
Our concierge claims team resolves 94% of HNW claims within 11 business days. Because your time is the scarcest asset of all.
There is a policy built for exactly this.
Agreed-value. No depreciation. No sublimits on what matters.
Standard policy. Extraordinary collection.
The mismatch is not a technicality. It is a financial exposure measured in the millions.
| Asset Category | Standard Policy | Insured Policy |
|---|---|---|
| Fine Art & Sculpture | $2,500 cap | Agreed value, scheduled |
| Jewelry & Watches | $1,500 – $2,500 | Full appraised value |
| Wine & Spirits | Often excluded | Cellar-to-glass coverage |
| Musical Instruments | $2,000 sublimit | Replacement cost, worldwide |
| Electronics > $10K | ACV minus depreciation | Full replacement cost |
| Flood Damage | Excluded | Available as endorsement |
| Claims Resolution | 30–60 business days | Avg. 11 business days |
| Payout Method | Depreciated ACV | Agreed value, no depreciation |
Agreed Value Settlement
Pre-agreed valuations mean zero depreciation arguments at claim time. What we agree it's worth is what you receive.
Worldwide Portability
Your Vacheron travels with you to Geneva. Your Hockney ships to Art Basel. Coverage follows the object, not the address.
Concierge Claims
A dedicated senior adjuster. Direct line. No hold music. Average resolution: 11 business days versus the industry's 47.
Get Your Coverage Estimate
Three steps. No credit card. A personalized PDF delivered to your inbox.
Collection value exceeds the calculator?
Schedule a Private Review95%+
Client retention year over year
11 days
Average claim resolution
$4.7B
Total collection value insured
A+
AM Best carrier rating
The clients who stayed. Their words.
The adjuster called me within two hours. By day nine, the Basquiat was in restoration and my claim was settled at full agreed value. Not a dollar of depreciation.
Theodore Harrington
Managing Partner, Harrington Capital
Fine Art & Antiquities — $4.2M scheduled
I moved four times in three years — Geneva, London, Manhattan, Tahoe. My policy followed every object, every address. One phone call each time.
Priya Nair-Mehta
Co-Founder, Meridian Ventures
Jewelry & Instruments — $1.8M scheduled
The sommelier who inventoried my cellar for the policy found two bottles I had forgotten I owned. The coverage paid for itself before a single claim.
James Calloway III
Senior Diplomat, US Foreign Service
Wine Collection — 2,200 bottles, $680K
The vault door is open.
Your estimate takes three minutes. Your collection took a lifetime.