High Value Homes

At Sinclair Risk & Financial Management, we provide specialized insurance and risk management programs that are designed to protect the property and assets of our  affluent clientele and their high value homes. Whether you have a sprawling estate, a custom home, or beachfront property, you can trust our experience to provide you with a comprehensive homeowners insurance program specifically designed for your needs.

We work with industry-leading insurers that specialize in high-value homeowners coverage.

Our Homeowners programs provide higher limits and broader coverage than most others, and are designed for houses worth millions that often include expensive furnishings and appointments, cutting-edge media technology and equipment, art collections, and many more expensive objects. What’s more, our programs are not restricted to single-family homes; some townhomes and condominiums throughout Connecticut and other states far exceed $1 million in cost, and their contents can include expensive collections.

We can provide you with customized options for contents, other structures and additional living expenses; high liability limits, guaranteed rebuilding cost for dwellings, coverage for sewer and drain backups, equipment breakdown protection, and more.

In addition, we will review several options with you, including incidental business coverage, identity theft, rebuilding to “green standards,” and enhanced personal liability insurance with high value umbrella policy. If you have domestic employees, we can provide you with employment practices liability insurance (EPLI). This coverage is recommended if you employ a nanny, housekeeper, driver, personal assistant, gardener, or other domestic staff. The policy protects against allegations of employment-related offenses, such as sexual harassment, wrongful termination, and discrimination.

We also can insure coastal real estate and can provide you with excess flood insurance coverage. We offer enhancements, such as inland marine and a personal articles floater, that allow you to increase coverage for fine art, jewelry, wine and antiques.

Our insurance company partners also provide crisis response and loss control services to our high-net-worth clients. That can include identity theft coverage and response, help with security, such as lock replacement, and art removal for protection from impending natural catastrophes.

Talk to Sinclair about protecting your property and assets.
We work with many individuals and families throughout Connecticut and beyond to protect their high value homes. Let us show you how we can do the same for you. Give one of our professionals a call at 203.265.0996, email us, or return the form on this page to discuss your specific needs.