Elite Protection for What You Treasure Most

Luxury Insurance Coverage | High-Value Asset Protection

When your assets are extraordinary, your insurance should be too. Providential Insurance Group’s Luxury Division provides personalized, discreet, and comprehensive coverage for high-net-worth individuals who need more than traditional policies. From legacy estates to rare vehicles, we deliver protection designed around your lifestyle, not the other way around.

High-Value Home Owners Insurance

Luxury Homes Deserve Exceptional Protection

Your home is more than a place to live — it’s an investment, a legacy, and a reflection of everything you’ve worked for. That’s why standard homeowners policies aren’t enough for high-value properties. Our Luxury Division specializes in homeowners insurance for residences valued at $1 million and above, offering broad protection and premium service tailored to elite properties.

What Our Policies Cover:

Full rebuild cost coverage (no cap limits)
Extended replacement coverage for custom features
Protection for secondary/vacation homes
International Properties

Valuable personal property (art, furnishings, collections)
Sewer, water, mold damage — covered without hidden exclusions
Identity theft protection and liability extensions

Why It Matters:

From custom finishes to historical craftsmanship, your home holds value that off-the-shelf policies often overlook. Our advisors work with you (and your real estate or wealth management team, if desired) to ensure everything is accounted for — down to the last detail.

Other Luxury Asset Coverage

Classic & Exotic Cars
Jewelry & Watches
Fine Art, Antiques & Collectibles
Private Yachts & Watercraft
Vintage Campers & RVs
Special Events & One-Time Risk Items

Each policy is underwritten with care, backed by concierge-level service and our faith-driven commitment to honesty, privacy, and trust.

Private & Confidential Advisory

You’ll work one-on-one with a dedicated advisor who understands the expectations of affluent clients. We offer in-home assessments (where available), secure document handling, and the utmost discretion throughout the process. Our approach is simple: deliver high-caliber service, with your protection as our only priority.

Protect What You’ve Built — With Confidence

Our Luxury Insurance Division is here to help you secure what can’t be replaced. Let’s create a custom plan that reflects your success, your values, and your lifestyle.

Tel: (512) 957-0161
info@providentialins.com
www.providentialins.com