Specialized protection for multi-property portfolios, fine art, luxury vehicles, watercraft, and the liability exposure that comes with real wealth – built by an independent agency that’s protected Southern California families since 1980.
Primary CTA button: Schedule Your Confidential Insurance Review Secondary CTA (phone): Call (562) 799-1455
Design note: Full-bleed hero image of a Long Beach or Catalina waterfront property (or a boat in harbor, tying directly to your Marine line). Dark gradient overlay behind white text for contrast. CTA button in your accent color, phone number repeated as a tap-to-call link for mobile. Immediately below the hero, add a slim horizontal trust strip: “Independent agency since 1980” · “Access to top-rated HNW carriers” · “Licensed CA #6003335” – small logo-style badges, not paragraph text.
Why a Standard Homeowners Policy Isn’t Enough
Once your home, possessions, and liability exposure grow past a certain point, a standard policy stops being protection and starts being a gap. Most homeowners policies cap dwelling coverage, settle jewelry claims at $1,500–$5,000, and pay actual cash value – not what it actually costs to rebuild or replace today. High net worth insurance closes those gaps with higher limits, agreed-value settlements, and coverage built around how affluent households actually live.
Design note: Pull one hard number out as a large, bold callout stat to break up text – e.g. “Standard jewelry coverage often caps at $1,500–$5,000. A single engagement ring can exceed that.” Style as an oversized-number pull-quote box, offset from the body copy, in a contrasting background color.
Coverage Built Around Real Wealth
- High-Value Homeowners Insurance – Guaranteed or extended replacement cost, multiple residences, and coverage for home systems, guest structures, and staff-related risk.
- Personal Excess (Umbrella) Liability – $1M to $25M+ in additional liability protection above your home, auto, and watercraft policies.
- Fine Art, Jewelry, Wine & Collectibles – Agreed-value coverage, worldwide protection, and no arbitrary sub-limits on individual pieces.
- Auto & Collector Vehicle Insurance – Agreed-value coverage for classic, exotic, and collector vehicles, plus standard high-limit auto.
- Watercraft & Yacht Insurance – From day sailers to yachts making the Catalina crossing – coordinated directly with our in-house Marine Insurance team.
- Cyber, Fraud & Identity Protection – Coverage for personal cyber extortion, financial fraud, and identity restoration.
- Flood & Earthquake Coverage – Critical, often-excluded protection for California coastal and hillside properties.
- Domestic Staff & Household Liability – Employment practices and workers’ comp exposure for household employees.
Design note: Present as a 4×2 icon grid (not a bulleted list) – one simple line icon, a bold title, and one sentence per card. Make the Watercraft card visually distinct (small “Bertram Exclusive” tag) since it’s your genuine point of difference. Cards can link to anchor sections or related pages (Watercraft → Marine Insurance page).
High Net Worth Insurance vs. Standard Policies
| Standard Policy | High Net Worth Policy | |
|---|---|---|
| Dwelling coverage | Capped, often $300K–$500K | Guaranteed/extended replacement cost |
| Claim settlement | Actual cash value | Agreed value on key items |
| Valuables (jewelry, art) | $1,500–$5,000 sub-limits | Scheduled at full appraised value |
| Liability limits | Typically $300K–$500K | $1M–$25M+ via umbrella/excess |
| Multiple properties | Separate, disconnected policies | Coordinated under one strategy |
| Service model | Call center, generic adjuster | Single agent, advocacy at claim time |
Design note: Style the “High Net Worth Policy” column with a highlighted background and a small “Bertram Advantage” badge at the top so the eye goes straight to it. Keep the table to 6 rows max – this is a skim element, not a reading element.
Signs Your Current Policy May Have Gaps
- Your home’s replacement cost exceeds $1 million
- You own more than one property, including a vacation or waterfront home
- You have significant liability exposure – board seats, public visibility, household staff, or frequent entertaining
- You own fine art, jewelry, wine, or other collections worth more than a few thousand dollars
- You own a boat, yacht, or collector/exotic vehicle
- Your net worth or income makes you a target for liability lawsuits
If two or more of these apply, it’s worth a coverage review – even if your current policy has never had a claim.
Design note: Two-column checklist layout with checkmark icons, paired with a short-form inline lead capture (name + phone/email, “Get My Free Coverage Review”) rather than sending the visitor away to a separate contact page. This is the highest-intent section on the page – reduce friction here.
Independent. Local. Since 1980.
As an independent agency, we aren’t limited to one insurer’s product. We place high net worth coverage with top-rated specialty carriers and shop your policy – home, auto, valuables, umbrella, and watercraft – so it works together instead of leaving gaps between separate policies. And because we’ve insured boats and yachts across the Long Beach and Catalina Island waterfront for over 45 years, we understand affluent coastal households in a way a national call center never will. One agent, one point of contact, and real advocacy if you ever need to file a claim.
Design note: This section is your strongest differentiation – give it visual weight. Consider a photo of the Long Beach/Catalina office or team rather than stock imagery, plus a short trust row of carrier logos you place business with (only include ones you’re actually appointed with). A testimonial or two from existing HNW/marine clients would strengthen this section significantly if available.
Frequently Asked Questions
What qualifies as “high net worth” for insurance purposes? There’s no single official threshold, but most carriers consider a home value over $1 million, multiple properties, or significant liability exposure (rather than net worth alone) the trigger for specialized coverage.
How is this different from my current homeowners policy? High net worth policies use guaranteed or agreed-value settlements instead of depreciated actual cash value, carry higher liability limits, and remove the low sub-limits standard policies place on jewelry, art, and collectibles.
Can one policy cover multiple homes? Yes. High net worth carriers can coordinate coverage across multiple residences, including vacation and waterfront properties, under a single strategy rather than separate, disconnected policies.
How much umbrella/excess liability coverage do I need? Most high net worth households carry $1 million to $25 million or more, based on net worth, public exposure, household staff, and assets like pools, boats, or frequently-hosted events. We calculate this individually – it isn’t one-size-fits-all.
Are jewelry, art, and collectibles automatically covered? No – standard homeowners policies cap these at $1,500–$5,000. High net worth policies schedule individual items at appraised value with no arbitrary cap.
Do you handle yacht and boat insurance too? Yes. Bertram Insurance Service has specialized in marine insurance – ocean cargo, boat and yacht, and shipwright coverage – for over 45 years, and we coordinate it directly with your high net worth home and liability policies.
How much does high net worth insurance cost? Premiums vary based on property values, location, liability limits, and the assets being insured. Because we’re independent, we compare multiple carriers to find the right coverage at a competitive price rather than quoting a single insurer’s rate.
Why use an independent agency instead of buying directly from an insurer? A direct insurer can only sell you their own product. As an independent agency, we compare coverage and pricing across multiple top-rated high net worth carriers and advocate on your behalf – especially at claim time.
Design note: Build as an accordion (collapsed by default, expand on click) so the page doesn’t feel long, but keep all text in the page’s HTML/schema markup (not loaded only on click) so search engines and AI crawlers can read it. This is the single highest-value block on the page for AI Overviews and voice search.
Let’s Review Your Coverage
Wealth changes. Property values rise, families grow, and new assets get added – and insurance coverage should keep pace. Talk to an independent agent who will look at the whole picture, not just sell you a policy.
CTA button: Schedule Your Confidential Review Phone: (562) 799-1455 | Mon–Fri, 9am–5pm Location: 6400 Marina Drive, Unit 2, Long Beach, CA 90803
Design note: Full-width contrasting-color banner (matches your site’s existing “Connect With Us Today” contact-page treatment). Repeat this as a slim sticky bar pinned to the bottom of the viewport on mobile as the visitor scrolls, with just the phone number and a “Call Now” tap target – this is the single highest-converting element you can add site-wide for a page like this.