High Value Home Insurance
Your home is more than a place to live — it’s an investment in craftsmanship, design, and legacy. At Risman Insurance Agencies, our Private Client Group specializes in high-value home insurance policies tailored to protect distinctive properties and the people who own them. We partner with affluent homeowners, wealth advisors, and asset managers to deliver comprehensive protection for exceptional lifestyles.
Protection Designed for Exceptional Homes
Whether you own an expansive estate, a waterfront property, or a historic residence, your insurance program should reflect the uniqueness of your home. Standard homeowners policies are rarely adequate for custom architecture, fine finishes, and valuable collections. Our high-value home insurance solutions are built for homes typically valued at $1 million or more — and for clients who expect a higher level of service, protection, and attention to detail.
Carriers That Understand High-Net-Worth Clients
Risman Insurance works with elite carriers recognized for their commitment to affluent families, including Cincinnati Insurance, PURE, Chubb, AIG and Vault. These private client insurers offer broader coverage, higher limits, and unmatched claim response — ensuring that, when something happens, your restoration experience matches the quality of your home.
- Guaranteed dwelling replacement cost
- Worldwide coverage for contents and collections
- Equipment breakdown and backup protection
- Rebuilding to original or green standards
- High-limit liability and umbrella options
More Than Coverage — A Complete Risk Management Approach
Our Private Client advisors work closely with families, family offices, and trusted professionals to coordinate comprehensive protection across multiple assets — including:
- Primary and secondary homes
- Vacation and coastal properties
- Luxury and collector vehicles
- Fine art, jewelry, wine, and collectibles
- Yachts and recreational assets
We collaborate directly with financial planners, wealth managers, real estate advisors, and attorneys to integrate property and liability coverage seamlessly into your broader financial strategy.
Personalized Coverage for Distinctive Homes
Your high-value homeowners policy can be customized to include:
- Guaranteed rebuilding cost coverage — rebuild your home to its original specifications, regardless of current construction costs.
- Extended contents coverage for furnishings, technology, and collections.
- Enhanced additional living expenses for alternative accommodations during repairs.
- Employment practices liability for domestic staff, including nannies, housekeepers, and personal assistants.
- Identity fraud and cyber coverage to protect your privacy and digital assets.
Why Affluent Families and Advisors Choose Risman Insurance
- Independent expertise. As a privately held, independent agency, we work for our clients — not the carriers.
- Discreet, relationship-based service. We collaborate directly with asset managers, estate attorneys, and family offices to simplify complex portfolios.
- Customized protection. No two luxury homes — or families — are alike. We build coverage around your lifestyle, not around a template.
- Century of trust. For over 100 years, Risman Insurance has protected Massachusetts families with precision and integrity.
Partner With Risman’s Private Client Group
Our Private Client Group is designed for discerning homeowners, advisors, and fiduciaries who value proactive risk management. We understand that exceptional homes require exceptional protection — and that time, privacy, and trust matter as much as coverage.
If you represent a client with a complex insurance portfolio, or you manage multiple residences and personal assets, our team is available for confidential consultations and coverage reviews.
Request a Confidential Consultation
Speak directly with a Private Client advisor to discuss your coverage options, schedule an in-person consultation, or request a policy review.
Call (781) 396-2116 or Request a Confidential Quote today to connect with our Private Client Group and experience the Risman difference.
Want to see how our Private Client Group works alongside trusted advisors to protect distinctive homes and families?
Read the full story in: Partnering With Risman Insurance
Connect with Our Private Client Team
Insurance coverage cannot be added, deleted, or changed until confirmed in writing from our office.
