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Protect What’s Priceless. Insure Beyond the Basics.

Lifestyle & High-Value Insurance in San Diego & Chula Vista

Standard policies aren’t built for high-value assets, luxury homes, or complex lifestyles. Lifestyle & High-Value Insurance offers tailored protection for your most valuable belongings — from fine jewelry and collectibles to secondary homes and bundled policies.

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What’s Covered

Smart Coverage for What Standard Policies Miss

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High Net Worth Coverage

Policies built to protect larger estates, high-value homes, and personal liability exposures that exceed standard limits.

Valuable Possessions Insurance

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Specialized coverage for jewelry, fine art, collectibles, and other items that may not be fully protected by homeowners policies.

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Secondary & Seasonal Home Insurance

Protects vacation homes and second residences with flexible, standalone, or bundled coverage options.

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Bundled & Coordinated Policies

We help unify your personal coverage into one clear program — streamlining your protection, billing, and renewals.

Built for Families with Complex Coverage Needs

  • More Value, More Exposure

    Luxury assets often require custom coverage — especially when limits, deductibles, or exclusions fall short.

  • Local Experience. Trusted Carriers. White-Glove Service.

    We bring specialized knowledge and strong carrier relationships to help you get the coverage and discretion you need.

  • Coverage That Grows with You

    As your portfolio expands, we can adapt your protection to match — whether you’re adding a second home or expanding your art collection.

Common Questions

  • What counts as a high-value item?

    Anything with significant appraised value — often jewelry, collectibles, fine art, or high-end electronics — may need scheduled or specialized 

  • Do I need separate insurance for a second home?

    Typically yes — but we can help you bundle multiple properties under a single, coordinated policy.

  • Is this only for the ultra-wealthy?

    Not at all. Many families have a handful of items or exposures that deserve extra protection — and we help you cover them affordably.

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Let’s Get You Covered

We make high-value coverage personal, private, and precise — with support that fits your lifestyle.


Serving San Diego, Chula Vista, and clients across California. Licensed in Oregon and Washington.