Insurance resources
& guides.
Expert insights to help you understand commercial insurance and protect your business.
Renovating or Building a Luxury Home: Builders Risk and Course of Construction in Fire and Wind Zones
Why homeowners policies fail during construction and how builders risk covers luxury builds and renovations in wildfire and named-storm territories.
Smart Water Shutoffs, Leak Sensors & the Discounts HNW Carriers Give for Them
How smart water shutoffs and leak sensors earn premium credits, device discounts, and eligibility with Chubb, PURE, and other high-value home carriers.
Insuring Secondary and Vacation Homes in Catastrophe Zones
Why second homes in wildfire, hurricane, and freeze zones cost more and get declined, and how to structure a multi-home program across HNW carriers.
Home in a Trust or LLC? How to Structure High-Value Home Insurance Correctly
How to keep homeowners coverage valid when your home sits in a revocable trust, irrevocable trust, LLC, or family partnership, plus a checklist for estate attorneys.
Insuring Art, Wine, and Jewelry: Valuable Articles Coverage for Collectors
Why homeowners policies fail collectors, and how scheduled valuable articles coverage protects art, wine, jewelry, and watches at agreed value with no deductible.
E&S (Surplus Lines) Homeowners Insurance: When the Admitted Market Says No to Your Home
How E&S (surplus lines) homeowners insurance works: diligent search, taxes and fees, no guaranty fund, form traps, and when a non-admitted policy is right.
Chubb Non-Renewals in California: What Private Client Households Do Next
What a Chubb non-renewal means for a California private client household: the 75-day window, Chubb's E&S offer, carrier alternatives, and the FAIR Plan stack.
Wildfire Defense Services: How Chubb, PURE & Private Client Insurers Physically Protect Your Home
How carrier wildfire defense programs from Chubb, PURE, and AIG/Private Client Select physically protect enrolled homes during a fire, and what they will not do.
How to Insure a $5M-$20M Home in 2026 (Admitted, HNW Specialty, or E&S)
The placement ladder for $5M-$20M homes in 2026: admitted HNW carriers, E&S and Lloyd's, layered towers, and what underwriters require before they quote.
Why High-Value Homes Are Systematically Underinsured (Demand Surge, Custom Finishes, Code Upgrades)
Why estimator software, demand surge, and code upgrades leave most high-value homes insured below rebuild cost, and the appraisal fix that closes the gap.
Guaranteed vs Extended Replacement Cost: The Clause That Decides Whether You Rebuild
What replacement cost, extended replacement cost (125-150%), and guaranteed replacement cost really pay after a total loss, and who still offers true GRC.
Wildfire Mitigation Discounts in Colorado: What Carriers Actually Credit
Colorado's HB25-1182 now makes insurers credit wildfire mitigation. What Wildfire Partners and IBHS certification earn you, and the documentation that works.
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