Your life isn’t one policy. Your coverage shouldn’t be either.

Primary, secondary, condo, seasonal. Limits and rebuild that match reality, especially hard-to-place Florida waterfront, wildfire-exposed homes, and selective mountain lifestyle properties where markets allow.

• High dwelling and loss-of-use limits aimed at rebuild cost, not yesterday’s purchase price
• Condo association vs. unit-owner clarity
• Secondary and rental-adjacent use reviewed carefully
• Florida waterfront / coastal and wind, with market realism, subject to appetite and underwriting
• Wildfire-exposed California and mountain homes in places like Aspen, Montana, and Wyoming. Selective / hard-to-place, subject to appointments and markets

Jewelry, fine art, wine, the good stuff. Appraisals that hold up. Territorial and transit terms that match how you travel and store.

• Scheduled personal property with real valuations
• Attention to breakage, mysterious disappearance, and pairs-and-sets
• Coordination with household security and storage

When auto, home, or watercraft limits run out, umbrella protects the balance sheet. I size to your life, not a brochure default.

• Personal umbrella / excess structured to exposure
• Underlying limits coordinated across policies
• Household staff, premises, and recreational liability reviewed

Watercraft and aircraft with precision. Right markets, operators, limits. Multi-vehicle and high-performance auto aligned with the rest of the tower.

• Yacht and watercraft liability and physical damage where appropriate
• Selective aviation only for qualified owners/operators, and only where appointments support it
• Private-client auto, including multi-vehicle households

New homes, compounds, collectibles, travel. I add specialty when it solves a real risk, not to pad a proposal.

• Flood and excess flood where markets and need align
• Personal identity-fraud / cyber endorsements when available and useful, not a substitute for commercial cyber
• Event and temporary-exposure placements when warranted
• E&S and Lloyd’s for really tough risks and select out-of-country exposures (e.g. Mexico, the Caribbean, and beyond), subject to surplus-lines rules, licensing, appointments, appetite, and underwriting; not every country or risk