High Net Worth Clients
Insurance for High Net Worth Families
High-net-worth families have more to protect — multiple properties, valuable
collections, several vehicles, and significant assets that standard policies simply aren’t built to cover. Our high-net-worth program coordinates it all under one strategy and one advocate: high-value homes, prized possessions, autos, and the high-limit liability and umbrella coverage that shields your wealth from a lawsuit. Covella works with specialty carriers to deliver the breadth, limits, and service this level of protection requires across Ohio, Indiana, and Kentucky.
Comprehensive High-Net-Worth Protection
What it covers
high-value primary and secondary homes · scheduled valuables (jewelry, art, wine, collectibles) · luxury and collector autos · high-limit personal umbrella liability · coverage for staff, watercraft, and more.
Who needs it
families with significant assets, multiple properties, or valuable collections who want coordinated, gap- free protection.
Cost factors
total insured values, properties and vehicles, valuables scheduled, and liability limits.
Frequently asked questions
We’ve answered the most common questions to make choosing and managing your insurance easier and stress-free.
Why not just use a standard homeowners and auto policy?
Standard policies cap coverage on valuables and liability in ways that leave affluent families exposed — a coordinated HNW program closes those gaps.
Can you manage everything under one relationship?
Yes — that’s the point: one advocate coordinating your entire personal insurance program.
Ready to talk? Send your resume to info@covellains.com or call (513) 489-6422.