Private Client Home Insurance

Luxury Home Insurance for Significant Homes in New York, New Jersey, Connecticut, Florida & Colorado

A luxury home deserves more than a standard homeowners policy. As an independent agent, Chuck Greenberg places high-value homes with Chubb, PURE and Lloyd's of London, matching each property to the market that fits it best.

Request a Private Client Review Call 914-646-3075 FaceTime Chuck

Chubb · PURE · Lloyd's luxury markets5 states licensedSince 2007 independent agencyDirect access to Chuck

Why It Matters

Standard Policies Weren't Built for Luxury Homes

Custom millwork, imported stone, smart-home systems, wine cellars and fine art all cost far more to replace than a standard policy assumes. Private-client carriers are built for exactly these homes. They typically offer broader coverage, higher limits and claims teams used to handling complex, high-value losses.

The difference usually shows up at the worst possible moment: after a fire, a burst pipe or a hurricane. That's when the choice of carrier and the way the policy was structured matter most.

Our Luxury Markets

Chubb, PURE and Lloyd's of London

Because we're independent, we aren't tied to one company. For luxury properties we typically work with three markets and recommend the one that best fits your home, its location and your broader insurance picture.

Admitted carrier

Chubb

A long-standing leader in high-net-worth personal insurance, known for broad home coverage and a highly regarded claims experience.

Coverage designed for high-value homes and contents
Coordination of home, auto, umbrella and valuables
Risk consulting and loss-prevention services

U.S. Home OfficeChubb, 202 Halls Mill Road, Whitehouse Station, NJ 08889

Member-owned exchange

PURE

PURE is a member-owned reciprocal exchange that serves financially successful families, with an emphasis on service and risk prevention.

Coverage for primary and secondary residences
Personalized service and member advocacy
Proactive resources to help prevent losses

Home OfficePURE Insurance, 44 South Broadway, Suite 301, White Plains, NY 10601

Surplus lines market

Lloyd's of London

Lloyd's markets offer flexible capacity for homes that admitted carriers find difficult to insure, or that need very high limits.

Coastal and hurricane-exposed Florida homes
Colorado homes with high wildfire scores
Very high-value, unique or hard-to-place properties

Home OfficeLloyd's, One Lime Street, London EC3M 7HA, United Kingdom

Carrier availability, eligibility and coverage vary by state, property and underwriting. Lloyd's policies are written on a surplus lines (non-admitted) basis and are not covered by state insurance guaranty funds.

What We Review

Coverage Built Around a Luxury Lifestyle

A private client review looks at your whole picture, not just the house. These are the coverages we most often structure for luxury homeowners.

Extended or Guaranteed Replacement Cost

Coverage options that respond when rebuilding costs more than expected after a major loss, subject to policy terms.

Cash Settlement Options

Some policies allow a cash settlement instead of rebuilding after a total loss, so you can decide what comes next.

Jewelry, Fine Art & Collections

Scheduled coverage for jewelry, watches, art, wine and collectibles, with attention to appraisals and agreed values.

Umbrella & Excess Liability

Higher liability limits that sit above your home and auto policies to help protect the assets you've built.

Second & Seasonal Homes

Coordinated coverage for homes in the Hamptons, Palm Beach, Aspen and beyond, including homes left empty for part of the year.

Excess & Private Flood

NFIP policies cap building coverage at $250,000. Waterfront luxury homes usually need private or excess flood coverage above that.

Wind & Wildfire Exposure

Guidance on hurricane deductibles, wind mitigation, wildfire mitigation and the markets still writing in high-risk areas.

Household Staff & Cyber

Options for employment practices liability for household employees, and for identity and cyber protection where available.

Where We Insure

Luxury Home Insurance in Five States

Chuck is licensed in New York, New Jersey, Connecticut, Florida and Colorado. Each state brings its own risks, and each luxury market has its own appetite.

New York

Call 914-646-3075

Communities we serveWestchester, Long Island's North Shore, the Hamptons & Manhattan

From estate homes in Scarsdale, Rye, Bedford and Pound Ridge to North Shore properties in Old Westbury, Sands Point and Lloyd Harbor, New York's luxury homes range from historic to brand-new. In the Hamptons, including Southampton, East Hampton, Sagaponack and Bridgehampton, coastal wind deductibles and flood zones shape both price and carrier choice.

We also insure Manhattan co-ops and condominiums, where board requirements, interior improvements and high-value contents call for careful structuring.

New Jersey

Call 914-646-3075

Communities we serveBergen, Essex, Morris & Somerset counties and the Jersey Shore

New Jersey's luxury homes are concentrated in communities like Alpine, Saddle River, Franklin Lakes and Englewood Cliffs in Bergen County, Short Hills and Summit, and the horse country of Far Hills, Bernardsville and Mendham.

On the Shore, homes in Rumson, Deal and Mantoloking face real flood and wind exposure. Pairing the right homeowners carrier with excess flood coverage is essential there.

Connecticut

Call 914-646-3075

Communities we serveFairfield County's Gold Coast & Litchfield County

Greenwich, including Belle Haven, Riverside and Old Greenwich, along with Darien, New Canaan, Westport and Southport, is home to some of the most valuable residential property in the country. Many homes sit along Long Island Sound, where hurricane deductibles and flood coverage deserve close review.

Inland, historic and antique homes in Weston, Wilton, Ridgefield and Litchfield County need accurate rebuild valuations and carriers that understand period construction.

Florida

Call 914-646-3075

Communities we servePalm Beach County, Miami-Dade, Naples & the Gulf Coast

Florida is the most challenging luxury home market in the country. Homes in Palm Beach, Manalapan, Jupiter Island, Boca Raton, Key Biscayne, Coral Gables and Naples face hurricane, wind and storm-surge exposure that many carriers limit or avoid.

This is where access to Lloyd's of London markets alongside Chubb and PURE makes a real difference. We help Florida clients with wind mitigation credits, hurricane deductibles, excess flood and seasonal-home considerations.

Colorado

Call 303-709-9415

Communities we serveThe Denver Front Range & Colorado's mountain resort towns

Based in Castle Rock, Chuck works with luxury homeowners in Cherry Hills Village, Greenwood Village, Castle Pines and Boulder, and with mountain homes in Aspen, Snowmass Village, Vail, Beaver Creek, Telluride, Breckenridge and Steamboat Springs.

Wildfire scores, hail and remote locations have made many Colorado homes hard to insure. We help clients understand their wildfire exposure, mitigation options and which luxury markets will write their home.

How It Works

Your Private Client Review

Conversation

A call or FaceTime with Chuck about your homes, vehicles, valuables and current coverage.

Valuation

We review rebuild costs, contents and collections so your limits reflect what it would really take to replace them.

Market Comparison

We compare options from Chubb, PURE and Lloyd's markets, and explain the differences in plain language.

Ongoing Service

Annual reviews, help with claims and one person to call. Not a call center.

Related Coverage

Homeowners Insurance Flood Insurance Property Insurance Landlord Insurance About Chuck

Questions

Luxury Home Insurance FAQ

What makes a home a candidate for luxury or high-value home insurance?

Homes with a rebuild cost of roughly $1 million or more, custom or historic construction, significant art, jewelry or collections, or multiple residences usually benefit from a private-client policy rather than a standard homeowners policy.

Which carriers do you use for luxury homes?

For luxury properties we typically place coverage with Chubb, PURE, or Lloyd's of London markets. The right fit depends on the home's location, value, construction and exposure to wind, flood or wildfire.

When would a Lloyd's of London policy make sense?

Lloyd's markets can be a strong option for homes that admitted carriers find difficult to insure, such as coastal Florida homes, Colorado homes with high wildfire scores, or very high-value properties. Lloyd's coverage is written on a surplus lines (non-admitted) basis, so it is not backed by state guaranty funds.

Do you insure second and seasonal homes?

Yes. We regularly coordinate coverage for primary residences and second homes across New York, New Jersey, Connecticut, Florida and Colorado, often under one carrier for simpler administration.

Private Client Review

Request a Private Client Review

Get a confidential review of your homes, valuables and liability. Tell us a little about your property and Chuck will reach out personally — no call centers and no automated phone trees.

One experienced agent, not a call center
Chubb, PURE and Lloyd's of London markets
Homes, valuables and liability reviewed together
Licensed in NY, NJ, CT, FL and CO

NY · NJ · CT · FL: 914-646-3075 Colorado: 303-709-9415 FaceTime Chuck

Insurance Connections Agency serves property owners in NY, NJ, CT, FL and CO.

Talk Directly With Chuck

Get a confidential private client review of your homes, valuables and liability, with no call centers and no automated phone trees.

Request a Private Client Review NY · NJ · CT · FL: 914-646-3075 Colorado: 303-709-9415

Insurance information on this page is general and educational. Actual coverage depends on the specific policy, its terms, conditions, limits and exclusions. Carrier availability and eligibility vary by state and property. Chubb, PURE and Lloyd's are named to describe the markets Insurance Connections Agency Inc. works with; their names are the property of their respective owners. Lloyd's policies are placed on a surplus lines basis and are not protected by state insurance guaranty funds.