Elite Tier
homeowners
High-Value Homeowners Insurance
At Prolific Life & Wealth, protecting your most valuable assets is our priority. Our high-value homeowners insurance is designed for those with homes valued at $1 million or more, offering enhanced coverage beyond what standard policies provide.
Unlike typical homeowners insurance, high-value policies cater to high-net-worth clients, ensuring seamless recovery from unexpected losses. These policies are tailored to reduce stress and restore your life quickly, with features such as:
Replacement Cost for Personal Property
High-value policies typically include replacement cost coverage, reimbursing you for the cost of new items to replace damaged ones. Standard policies only pay for depreciated value, leaving you to cover the difference out of pocket.
Loss of Use (Additional Living Expenses)
If a covered event renders your home uninhabitable, this coverage provides for temporary housing and living expenses without the strict limits found in standard policies.
When your home is a significant investment, high-value homeowners insurance provides the protection and peace of mind you deserve.
luxury auto
Luxury Auto Insurance
Just as your home deserves top-tier protection, so does your high-value vehicle. At Prolific Life & Wealth, we specialize in providing insurance for luxury, classic, and antique cars that go beyond standard market coverage.
Standard insurers often highlight what’s not covered. We take a different approach, offering customizable options that ensure your vehicle is fully protected. Whether it’s a luxury car, collector car, or antique model, our high-value auto insurance protects your investment and minimizes out-of-pocket expenses in case of an accident.
When it comes to high-value vehicles, specialized coverage isn’t just a luxury—it’s a necessity.
boats insurance
Boats, Yachts & Watercraft Insurance
Owning a boat or yacht can bring joy and create lasting memories, but it also comes with risks. At Prolific Life & Wealth, we provide comprehensive watercraft insurance for everything from jet skis and small boats to mega-yachts, ensuring your investment is protected against wind, hail, theft, collisions, and more.
For yacht owners, additional options include:
- Liability coverage for captain and crew
- Marina liability as an Additional Insured
- Hull deductible waivers
Our customized policies allow you to enjoy your time on the water with the confidence that your financial security is safeguarded.
valuables
Valuables & Collectibles Insurance
Your most cherished possessions deserve exceptional protection. Whether it’s fine jewelry, artwork, sculptures, vintage wine, or sports collectibles, Prolific Life & Wealth offers tailored valuable personal property insurance to ensure your treasures are fully covered.
Standard homeowners insurance often places low limits on valuables or excludes certain items altogether. If your collection includes high-value items over $2,000, separate coverage is essential to protect against potential loss.
Our policies not only offer compensation but also provide peace of mind, knowing your prized possessions are secured.
liability coverage
Personal Umbrella & Excess Liability Coverage
Protect your wealth and legacy with a personal umbrella policy from Prolific Life & Wealth. This coverage provides an extra layer of protection against large liability claims or judgments that exceed the limits of your underlying home or auto insurance policies.
Key benefits include:
- Coverage for your family, household members, or domestic employees.
- Financial protection in situations like major car accidents involving teen drivers
- Peace of mind against lawsuits, which can pose one of the biggest threats to your financial security.
For just a few hundred dollars per year, an umbrella policy can shield the assets you’ve worked so hard to build, allowing you to focus on enjoying your wealth with confidence.
