Westchester Homeowners Insurance

Protect Your Family, Home, and Assets with an Insurance Portfolio Designed Specifically For Your Lifestyle in Westchester, New York.

Westchester Homeowners Insurance

Protect Your Family, Home, and Assets with an Insurance Portfolio Individually Designed For Professionals and Their Families in Westchester, New York.

Local

Solutions

We are Westchester natives and well recommended in the local high-net-worth insurance market.

White-glove
Service

Simplify your insurance search and ensure that all claims are handled with a knowledgeable and reputable broker at your side.

Premier
Carriers

Access the nation’s best carriers and policies for all of your insurance needs with premier offerings for homes exceeding $750k in dwelling coverage.

sustainable
Coverage

Protect your family, assets, and net-worth with comprehensive coverage that reduces your total cost of risk for years to come.

Peace of mind for westchester homeowners

We take pride in providing highly successful families with solutions and risk mitigation resources that protect their estates. Whether you’re facing a frivolous lawsuit or a legitimate claim, having the right coverage will help protect your assets and what matters most at home.

  • Discuss current and future lifestyle

  • Assess your current program to identify gaps in coverage

  • Partner with the nation’s top insurance carriers

Peace of mind for westchester homeowners

We specialize in providing highly successful families with solutions and risk mitigation resources that protect their estates. High-net-worth families are often targeted by frivolous lawsuits. When a true claim situation occurs, having the right coverage will help you protect what matters most today, and tomorrow.

  • Discuss current and future lifestyle

  • Assess your current program to identify gaps in coverage

  • Partner with the nation’s premier insurance carriers

Primary Residence

Protection to help you sleep easy including rebuilding costs, debris removal, disaster relief expenses, coverage for valuable items, and personal liability insurance.

Enhanced Coverage

Secure protection against Floods or Earthquakes and bundle your homeowners policy to include coverage for autos, boats, umbrella liability, and valuable jewelry or other treasured collections.

Enhanced Coverage

Secure protection against Floods or Earthquakes and bundle your homeowners policy to include coverage for autos, boats, umbrella liability, and valuable jewelry or other treasured collections.

Premier Carriers

Our strategic partnerships with the nation’s leading insurance carriers including Chubb, Travelers, Natgen Premier, and Pure simplify the process of selecting the best insurance to protect your home and family while reducing your total cost of risk.

Client Testimonials

At ZRM Brokerage, we’re committed to providing our clients with white-glove customer service and support. Hear from our satisfied customers and strategic professional partners:

Client Testimonials

At ZRM Brokerage, we’re committed to providing our clients with white glove customer service and support. Hear from our satisfied customers and strategic professional partners:

Westchester Homeowners

Work with ZRM Brokerage to simplify your search and find the best solution for your Westchester home insurance.

We look forward to helping you make informed decisions that protect your estate for years to come.

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Let us know how to help:

(914) 361 9854

Westchester Homeowners

Westchester Homeowners Insurance FAQ

High-net-worth homeowners insurance is a specialized type of coverage designed to protect homes that are worth $750k or more, with additional coverage for treasured items like art, jewelry, and collectibles. As a high-net-worth individual (HNWI), you and your estate have unique assets that need to be protected from loss, and safeguarded during litigation. A standard homeowners insurance policy often will not provide adequate coverage for your estate or your lifestyle. With a premier insurance policy, you can secure peace of mind knowing that your home, valuables, and personal net-worth are protected in the event of a covered loss.

High-net-worth homeowners insurance packages typically include guaranteed replacement cost coverage to rebuild your home, enhanced limits for your personal belongings, increased personal liability coverage, and scheduled coverage for high-value items such as jewelry, fine art, and other collections. Additionally, it can provide coverage for additional living expenses if you are temporarily displaced from your home following a loss and while repairs are being completed.

High-net-worth homeowners insurance provides a variety of benefits that are tailored to meet the unique needs of affluent homeowners. One of the most significant benefits is the high coverage limit that goes beyond the standard coverage limits provided by a typical homeowners policy. This means that high-value homes and possessions, such as expensive jewelry, fine art, and antiques, are covered in case of damage, theft, or loss.

Additionally, high-net-worth homeowners insurance policies offer broader coverage for other risks, such as water damage, mold, and earthquake coverage, that are often excluded from standard homeowners policies.

Another benefit of high-net-worth homeowners insurance is the flexibility to customize the policy based on specific needs. For example, if you own multiple homes or have a large number of high-value assets, you may need higher limits for liability coverage.

Many high-net-worth insurance policies also offer perks such as concierge services, which can help with tasks like home security, travel arrangements, and the appraisal or storage of collections.

Overall, high-net-worth homeowners insurance provides peace of mind and protection for your valuable assets, along with additional benefits that are tailored to your unique lifestyle and needs. By working with a knowledgeable insurance agent, you can create a policy that provides the coverage you need to protect your home and assets.

High-net-worth homeowners insurance is priced differently than standard homeowners insurance because it takes into account the unique needs and risks of high-value homes and possessions. This coverage is comprehensive and not a one size fits all solution.

The cost of high-net-worth homeowners insurance is based on several factors, including the value of your home when taking into consideration the construction quality, materials used, unique architecture and design features, its contents, the location of your home and the level of risk associated with the area you live in.

Additionally, the cost of Westchester homeowners insurance may be affected by your credit score, claims history, security features like a central station alarm, sprinklers, age of your roof, and the coverage within your bundle.

To get an accurate price for high-net-worth homeowners insurance, it is best to work with an experienced insurance broker like ZRM Brokerage who can assess your unique needs and provide you with a personalized quote.

Having a home security system can help lower your premiums by up to 20% and is a requirement to qualify for some high-net-worth Westchester homeowners insurance carriers. A security system can help reduce the likelihood of theft or damage to your home, and demonstrates to the insurance carrier your home makes risk management a priority.

The discounts available for your Westchester homeowners insurance depend on each specific carrier but generally include:

  • Central Station Burglar alarm
  • Central Station Fire alarm
  • New home
  • Gated community
  • Gated community patrol service
  • Residential sprinkler system
  • Fire resistive
  • Masonry construction
  • Loss free
  • Storm shutters

Superior Protection Credits may apply for:

  • Security protection for the entire external perimeter of the house consisting of any
    one or more of the following:

    • Closed-circuit TV cameras monitored 24 hours a day
    • Detection system, external to the residence, which is motion activated and
      monitored 24 hours a day
    • 24 hour, on-site security guard
  • Full time caretaker who lives at the residence year round
  • 24 hour signal continuity protection for central station or direct fire and burglar alarm systems which activates the alarm when interrupted
  • Sprinkler system water flow alarm which activates a central station or direct alarm
  • Temperature monitoring system, to protect against freezing, which activates a central station alarm
  • Permanently installed, electrical back-up generator
  • Perimeter gate where vehicular and pedestrian access is limited to entrances controlled by locked or electronic gates
  • Explosive gas leakage detector which activates a central station or direct fire alarm
  • Automatic seismic shut-off valve to gas lines
  • Lightning protection system including lightning rods and lightning arrestors protecting the electrical wiring and all electronic devices of the entire house
  • Water leak detection system monitoring all areas containing plumbing devices and outlets
  • Wildfire suppression system which is either manually activated, activated through the telephone, or automatically activated by a local fire sensor

If your home and personal assets are worth over $1 million, you should consider high-net-worth homeowners insurance. It provides additional coverage that standard homeowners insurance may not offer, protecting your valuable assets in the event of a loss. Additionally, if you have unique collections or valuable possessions, high-net-worth homeowners insurance can provide coverage that is tailored to your specific needs.

make informed insurance decisions.

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