Protection designed for the life you’ve build, and the legacy you’ll leave
Protecting success requires more than standard coverage. Our Private Client Insurance programs are tailored for high-net-worth families, safeguarding luxury homes, high-value autos, jewelry, fine art, and more — with personalized protection built around your lifestyle.
Our high net worth coverage in California includes options for:
When it comes to replacing the lost income of high earners, traditional insurance plans are often times inadequate because the policy language is too restrictive.
If you are a high earner, don’t jeopardize your family’s financial well-being. Contact us to find out how high net worth coverage can assure that everything you’ve worked for will be protected!
High value home owners insurance in California.
Policies that are referred to as “high value” policies are often times really just standard H03 policies with riders attached to beef them up. Insuring your home adequately is serious business.
What many homeowners don’t realize is that most standard H03 policies (fancy word for homeowners policy contract) aren’t robust enough to handle a high value home.
We can customize a high value homeowners policy specifically for your home — no cookie cutter policies here.
High value auto insurance.
Just like many standard homeowners policies are inadequate for high value homes, the same can be said for high value auto insurance. Traditional auto insurance policies are often times more restrictive than you might need if you have a high value vehicle.
We can help you whether you’re looking for high value homeowners insurance, auto, or umbrella, we will work together with you to build a custom insurance program for your specific needs.
Why Choose AA Lares Insurance Services?
With 20+ years serving Orange and California, we provide discreet, personalized protection through top high-net-worth carriers, helping you safeguard assets, manage risk, and preserve wealth with confidence.
AA Lares Insurance Services home quoting process
Thorough Inspection
Quoting a high value home is different than quoting a standard home. 95% of the time, we will need to do a thorough, on-site inspection of the property to identify certain characteristics and the overall build quality of the home.
Prepare Documents
After we collect this information, we will then need to prepare the necessary documentation and applications to submit our proposal to the high value insurance carrier.
Adjust Coverages
After the insurance company reviews the applications and returns their initial quote, we may need to adjust certain limits and coverages.
Ensure Accuracy
Once the quote is agreed upon and bound, the insurance company will often times complete their own physical survey and inspection of the home a few weeks later to ensure that the policy is 110% accurate.
