Private Client Insurance

When you own more, you have more to protect, and more that can go wrong. A higher-value home, art and jewelry, collector cars, boats and a growing list of exposures often don’t fit into standard policies. Do Right Insurance has the knowledge and expertise to cover you correctly, and the right markets and carriers for this type of risk. We’re not here for the cheapest premium. We’re here for the right coverage at the best price.

Why standard insurance can fall short

• Limits on valuables. Standard homeowners policies often cap what they’ll pay for jewelry, art, collections and other valuables.
• Liability that doesn’t match your assets. Basic liability limits can fall far below what a serious lawsuit could cost someone with significant assets.
• Gaps between policies. Separate policies for your home, cars and boats can leave gaps, or overlap in ways that cost you.
• How things are valued. What your home or collection is insured for, and how a loss is paid, can matter more than the premium.

What private client coverage can include

• Higher-value homes, including second homes and vacation properties
• Umbrella and excess liability for higher limits
• Valuables and collections: jewelry, art, wine and other collectibles
• Collector and high-value vehicles
• Boats and other watercraft
• Recreational vehicles

How we work

1. We learn what you own and the risks that come with it.
2. We look for gaps in your current coverage and tell you plainly where you stand.
3. We take your risks to the right markets, including carriers that specialize in them. As an independent agency, we aren’t limited to one company.
4. We recommend the best fit. The goal is the right coverage first, then the best price for it.

Why Do Right

• Expertise. We know how these risks are insured and where policies commonly fall short.
• Independent. We work for you, not for one insurance company.
• One team. If you also own a business, we can cover that too.

Common questions

Who is private client insurance for?

Anyone with assets, valuables or exposures that standard policies don’t fit well. If you’re not sure whether it applies to you, call us.

Will it cost more?

Often the premium reflects higher values and broader coverage. We focus on the right coverage first, then work to get it at the best price.

Can you review my current policies?

Yes. Call us and we’ll walk through what you have and where the gaps are.

Talk to an agent

Call 801-352-7100 or request a quote online.