High Net Worth Insurance Solutions – Elite Coverage for Affluent Clients

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Specialized Protection For Significant Assets

Complex households need more than off-the-shelf policies. With high net worth insurance Wisconsin, Head Insurance Agency coordinates protection for high-value homes, secondary residences, luxury and collector vehicles, watercraft, and staffed households across Sherwood, Appleton, and the greater Fox Valley. Expect discreet service, tailored terms, and a single team to align coverage across properties and vehicles.

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Coverages Tailored To You

Your portfolio might include:

  • High-value home insurance with extended replacement, cash-out options, and broader contents terms.
  • Luxury and collector autos with agreed value coverage and OEM parts preferences.
  • Excess liability limits at $5M, $10M+, coordinated with umbrella insurance.
  • Scheduled collections for jewelry, art, and timepieces through valuable items insurance.
  • Large watercraft or specialty recreation with proper navigation limits and crew considerations.

We’ll map assets, exposures, and contracts to eliminate gaps and overlaps.

Personalized Service And Risk Management

From appraisal guidance to wildfire/wind mitigation checklists, we help you prioritize improvements that can influence pricing and claims outcomes. Head Insurance Agency provides annual portfolio reviews, rapid certificate or proof-of-insurance requests, and concierge claim coordination—so one conversation addresses multiple carriers and properties.

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Private Client Questions, Answered

  • How is high-value home coverage different?

    Higher limits, broader clauses, and options like cash settlement or higher sublimits for valuables.

  • Can one umbrella span homes, vehicles, and drivers?

    Yes—when structured correctly with coordinated underlying limits.

  • Do you handle multi-state or seasonal homes?

    We often can—tell us where you live and travel so we can align policies accordingly.

  • Should I pair life insurance with my portfolio?

    Many affluent households use life insurance for estate liquidity—see our life insurance options for coordinated planning.