HIGH NET WORTH HOMEOWNERS INSURANCE

Clear, comprehensive homeowners insurance for high-net-worth households.

Multiple homes · Full rebuild value · No coverage gaps

Get a quote →

A Bulwark advisor will reach out within one business day.

Trusted insurance partners

Built for households where coverage actually matters.

Full coverage for your home.

Typical policies underinsure your home. Bulwark creates a custom program that insures you for full rebuild value, closes coverage gaps like earthquake and water damage, and fully protects your valuables.

•GUARANTEED REPLACEMENT · SCHEDULED VALUABLES

Placed with specialty carriers: Chubb, PURE, AIG Private Client, Berkley One.

The carriers affluent households actually use, not the defaults. They rebuild luxury and historic homes to true cost, insure fine art and collections at agreed value, and reliably pay claims.

•7+ SPECIALTY CARRIER RELATIONSHIPS

One advisor, one program, and a quote in 24 hours — not a call center.

An experienced advisor brings your main home, secondary properties, contents, and valuables under a single program, and handles your policy, your claims, and your renewals. They know your household, your home, and your wealth manager by name.

•AVG. 24-HOUR QUOTE TURNAROUND

Get a quote →

FAQ

Common homeowners insurance questions.

The questions we hear most often from prospective clients deciding whether to start a conversation.

Replies typically within 24 hours

Replacement cost pays what it actually takes to rebuild or replace your home and belongings at today's prices. Actual cash value pays the depreciated figure, which is what the property is worth after wear and age. For a home and its contents, replacement cost is what keeps you whole; actual cash value rarely does.

Enough to rebuild the home from the ground up at today's construction costs, not its market value, and not the mortgage balance. For custom, historic, or high-end homes, that figure is often well above what a mass-market policy will quote. High-net-worth carriers can also extend or guarantee replacement cost so a payout isn't capped at the stated limit.

A standard policy covers personal property, but caps categories like jewelry, art, silver, firearms, and collectibles at a few thousand dollars combined. Scheduling those items separately, at agreed value, insures each piece for what it's actually worth and removes most deductibles and exclusions.

Almost never under a standard homeowners policy. Both are written separately, through the NFIP, private flood markets, or earthquake carriers. If you're in an exposed zone, such as coastal, wildfire-adjacent, or seismic, these coverages can matter, and are the ones most often missing.

Your umbrella sits on top of your homeowners liability and only pays once those limits are exhausted. That's why your home liability needs to meet the umbrella's underlying-limit requirement — typically $300K–$1M — or there's a gap you'd pay out of pocket.
Get a quote →