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The Oak Insurance Group
High Net Worth Division

Because Some Families
Have A Lot More To Lose.

Quick answer: High net worth insurance, also called private client insurance, is coordinated home, auto, umbrella, and valuables coverage for households that have outgrown a standard policy — often because the home would cost a lot to rebuild, there are multiple properties, scheduled jewelry or art, or real liability exposure. Specialty and private-client carriers typically offer broader rebuild terms, agreed-value options on valuables, and higher liability limits than mass-market forms. The Oak Insurance Group is an independent Atlanta agency that compares those programs side by side; which carriers we can place depends on the risk, and we will tell you straight if a well-built standard policy is still the better fit.

High net worth insurance in Atlanta is specialized home, auto, and umbrella coverage designed for households with $1M+ in assets, homes valued at $1.5M+, or concentrated liability exposure. The Oak Insurance Group places high net worth policies through Chubb, PURE, Cincinnati, AIG, and other HNW specialists — with agreed-value settlement, extended replacement cost, and worldwide personal articles coverage.

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Auto & Classic Auto

Superior coverage for even the highest end vehicles

Primary Residences

Robust coverage to protect your most valuable asset

Secondary Residences

Protection for secondary and vacation homes

Umbrella Coverage

Maximum coverage that overlays everything else

Jewelry & Collectibles

Extended coverage for jewelry and other collectibles

Watercrafts

Incredible coverage for boats, yachts, and other watercrafts
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When Attention To Detail Matters, The Oak Insurance Group Has You Covered

Oak Insurance Group: Your Trusted High-Net-Worth Insurance Partner

If you're looking for a reputable and robust insurance and risk management service for your clientele, The Oak Insurance Group is the firm you can trust. Our services align with best practices outlined by the Federal Insurance Office, ensuring accountability and industry standards. With access to multiple high net worth insurance carriers, we can truly provide a custom insurance plan for your clients, helping them protect their most valuable assets easier.
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Attorneys

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Realtors

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CPAs

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Financial Advisors

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Loan Officers

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Title Companies

Personal & Commercial Insurance Simplified

At The Oak Insurance Group we have access to a wide range of both insurance carriers and products. This gives us, and more importantly, you, flexibility and choice when it comes to your coverages and company.

Frequently Asked Questions

What is high net worth insurance?

High net worth insurance is home, auto, umbrella and valuables coverage built for households with significant assets. Policies from high net worth carriers typically offer broader terms, such as extended replacement cost on homes, agreed value on collectibles and higher liability limits, than a standard policy.

Who needs high net worth insurance?

It is usually a fit for households with high-value homes, multiple properties, collector cars, jewelry or art, or significant liability exposure such as teen drivers, household staff or public profiles. If your assets have outgrown a standard policy, we can compare high net worth carriers for you.

Which high net worth carriers do you work with?

As an independent agency, we place high net worth policies with specialist carriers including Chubb, PURE, Cincinnati and AIG. Because we are not tied to one company, we compare coverage and price across carriers and recommend the best fit for your household.

Should my home, auto and umbrella be with the same carrier?

Usually, yes. High net worth carriers often require your home and auto with them before they will write the umbrella, and keeping them together helps make sure the liability limits line up. We write umbrellas and auto as part of a package and will tell you when an exception makes sense.

How are jewelry, art and collectibles covered?

Standard home policies cap what they pay for valuables. A scheduled valuables policy or endorsement lists each item at an agreed value and can cover accidental loss. We help you schedule items using current appraisals so the coverage matches what they are worth.

How often should I review my high net worth coverage?

At least once a year, and any time you buy, sell or renovate a property, add a driver or vehicle, or acquire valuable items. We schedule an annual review with you to update replacement costs, schedules and liability limits.