Personal Insurance Services
Personal insurance helps protect the people, property, and assets that matter most. Starkweather & Shepley Insurance works with individuals and families to help manage risk and plan for the future.
Personal Insurance for Changing Needs
Your insurance needs may change over time. You may buy a new home, add a vacation property, grow a collection, or purchase luxury vehicles.
Starkweather & Shepley Insurance works with clients to discuss insurance needs and possible risks. Our team provides clear guidance and ongoing support to help clients make informed decisions.
Working With a Private Client Insurance Advisor
Private client insurance often includes more than one policy. Coverage may involve homes, vehicles, collections, liability protection, and other personal assets.
Starkweather & Shepley Insurance works with a range of carriers to help clients review coverage options and explore additional insurance services as needs evolve. Through its Assurex Global partnership, the firm also supports clients with insurance considerations across multiple locations and broader lifestyle needs.
What Personal Insurance May Include
Private client insurance may include coverage for higher-value property and more complex lifestyles.
Coverage areas may include:
High-value homes
Flood insurance
Personal liability insurance
Vacation and secondary homes
Personal umbrella insurance
Jewelry and fine art
Luxury and collector vehicles
Wine and other collections
Insurance needs can shift over time. Regular reviews can help clients keep coverage aligned with their goals and priorities.
Private Client Insurance Services
Starkweather & Shepley Insurance works with individuals and families looking for a more personal approach to insurance planning.
Coverage Reviews and Risk Discussions
Insurance planning often starts with a review of current coverage, assets, and possible risks. These conversations may include policy limits, and liability concerns. We can also explain how different policies work together.
High-Value Homes and Lifestyle Assets
Some clients own vacation homes, watercraft, collections or other valuable property. Others may have insurance needs across multiple states or countries. These situations may require regular insurance reviews.
Additional Personal Insurance Solutions
The following services may support a broader private client insurance strategy.
Domestic and International Coverage
Some individuals and families own homes or assets in different locations. This may involve insurance considerations across multiple states or countries.
Travel Insurance
Traveling can involve unexpected changes, delays or disruptions. Starkweather & Shepley provides access to travel insurance resources to help review coverage options.
Claims Guidance and Support
Claims guidance is an important part of the client relationship. Starkweather & Shepley Insurance works with clients during the process, providing communication throughout.
Life and Asset Planning
Life and asset protection discussions may include life insurance, long-term care, disability insurance, and estate-related planning considerations.
Collection Protection
Collections may need added insurance support based on value, storage, and transport. Regular reviews can help clients address changes in appraisals or acquisitions.
Frequently Asked Questions
What is private client insurance?
Private client insurance is designed for individuals and families with higher-value assets or more complex insurance needs. This may include homes, collections, liability concerns, and lifestyle-related risks.
What does personal umbrella insurance cover?
Personal umbrella insurance may provide added liability protection above the limits of other policies. It is often reviewed alongside homeowners and auto insurance.
How often should personal insurance be reviewed?
Many people review insurance coverage once a year or after major life changes. This may include buying property, growing collections, or changes within the family.
What does a private client insurance advisor do?
A private client insurance advisor helps clients understand insurance choices. They will discuss risks, and guide you in making informed insurance decisions over time.
What types of property can private client insurance include?
Coverage may include:
- Primary homes
- Vacation homes
- Luxury vehicles
- Collections
- Jewelry
- Fine art
- Yachts
- Other valuable property
How is private client insurance different from standard personal insurance?
Private client insurance often involves higher-value assets and broader liability concerns. It takes a more personal approach to insurance planning.