Tool · High-Net-Worth Insurance
Do I need high-net-worth insurance?
Net worth is a poor test for whether you need high-net-worth insurance. The real question is exposure: whether your home, your possessions, or your liability have outgrown what the standard market is built to handle. This tool weighs those exposures and returns a straight answer in about two minutes, no, maybe, or yes, along with the specific reasons behind it.
Answer a few questions and your result will appear here.
Assessment only, not a quote or an underwriting decision. Thresholds reflect typical private-client carrier appetite; an advisor confirms against live carrier guidelines.
Your result
No, maybe, or yes.
The assessment returns one of three answers, and each comes with the reasons behind it.
No: the standard market is likely fine. Your home, possessions, and liability sit within what mass-market carriers handle well, and there is no sign you have outgrown them. This is a real answer, not a soft sell. Most households are here, and moving to a private-client carrier would buy you little. It is worth re-checking if something changes, a more valuable home, a major purchase, a board seat, household staff, or a non-renewal notice. Any of those can move you.
Maybe: worth a review. One or two exposures sit near the line, or several are moderate. Perhaps your rebuild cost is approaching the level where standard carriers grow selective, or you have collections inching past standard sub-limits, or a single liability factor like a pool or a board seat. None of it is decisive on its own, but together it is worth a closer look. The result names what tipped it, and a short advisor review can settle it without obligation.
Yes: you are in this market. At least one exposure is clearly past what the standard market is built for: a home that costs more to rebuild than standard carriers want to insure, multiple properties, collections well beyond sub-limits, serious liability exposure, or a carrier that has already non-renewed or declined you. That last one is its own answer. When the standard market has stopped wanting your risk, it has told you where you stand. The result points you to the specific coverage that matters for your situation.
Methodology
What it looks at.
The assessment scores exposure, not wealth, across a few areas.
Your home, by rebuild cost. This is the strongest single signal, and it uses the same rebuild-cost engine as our homeowners calculator: your ZIP and home details produce a replacement cost, which is what carriers actually underwrite to, not the market value or what you paid. Because rebuild costs and carrier appetite both vary by area, the threshold is set regionally rather than as one national number.
Everything you would have to schedule or insure separately. Multiple properties, collector or exotic vehicles, and collections of jewelry, art, wine, or watches that run past standard sub-limits.
Your liability exposure. The assets and income a lawsuit could reach, plus the specific things that raise it: board service, household staff, a pool or waterfront, a public profile.
Whether the market has already decided. A non-renewal, a declination, or a refusal to quote weighs heavily, because it is the standard market telling you directly that your risk has outgrown it.
No single number decides it. The tool weighs these together into the no, maybe, or yes above.
When collections are the main driver
Start with the valuables tool.
If jewelry, art, wine, or watches are the main thing pushing you toward this market, the valuables calculator estimates your coverage gap directly. This assessment will point you there when collections are what tips the result.
Common questions
About the assessment, specifically.
Related guides
Keep reading
High-net-worth insurance, explained
What private client coverage is and who it's built for.
Replacement cost vs. actual cash value
How the same loss pays very different amounts under each valuation basis.
Guaranteed replacement cost, explained
Why a private-client policy will rebuild past its stated dwelling limit.
Captive vs. independent agents
How the private-client market is actually reached.
Find out where you stand.
If the assessment says maybe or yes, a licensed Bulwark advisor will review your exposures and come back with a clear recommendation, and a quote if you want one, usually within a day.