Private Client Insurance

High Value Homeowners - Nearly 40% of high-value homes are underinsured

There are more than 2 million homes in the U.S. with values exceeding $1 million, representing a twofold increase since 2012. This recent surge in high-value homes brings an increased demand for specialized coverage. However, experts estimate that as many as 40 percent of high-value homes are underinsured. Ensure you are not exposed to significant losses due to insufficient coverage.

High-Value Homeowners Coverage can provide necessary protection for you by extending beyond what is offered by the standard insurance market.

Coverage Details and Features:

  • Wide selection of admitted and non-admitted package options
  • Stand-alone or packaged coverage for jewelry, fine arts, etc.
  • Availability in coastal or brush areas
  • Water Damage Coverage, Backup Sewer and Drain Coverage
  • Builders Risk Coverage available
  • High deductible options
  • High liability limits available
  • Green endorsements
  • Mold sublimit

Comprehensive Personal Liability - Generally, a comprehensive homeowners policy includes coverage for the home, content and liability exposures. However, there are times when a homeowner's liability exposures become too great compared to the standard market appetite. This may occur due to the type of property owned, if the homeowner has incurred losses previously, or if other exposures make it difficult to secure liability coverage as part of their homeowners package.

Locke Insurance Group provide access to Comprehensive Personal Liability (CPL) Coverage; a standalone liability coverage for a variety of risks. Sold in conjunction with a comprehensive homeowners policy, CPL provides coverage for personal liability exposures.

Personal Umbrella - Each year there are 29.2 million emergency room visits, 4.5 million dog bites, and 4.4 million medically consulted motor-vehicle injuries, with motor vehicle deaths, injuries and property damage costs $377.8 billion on average. In addition to accidental physical injuries, a Personal Umbrella policy also protects against libel and slander. This becomes more critical to your clients as social media use continues to increase across all age groups.

The Locke Insurance Group can provide access to Personal Umbrella Coverage that can supplement your current policies to limit your exposure to crippling financial losses in the event of a liability claim or lawsuit.


Marine Coverage - U.S. consumers spend $36.5 billion on boats, marine products and services each year. With six consecutive years of growth, this trend is expected to continue as consumer confidence remains strong and disposable income continues to increase. Although the boating industry is booming, it can also be dangerous.

In a typical year, there are 4,228 recreational boating accidents resulting in 2,731 injuries and $43.3 million in property damage. With these numbers likely to rise with increased sales, it is important to ensure your clients are protected from these potentially disastrous losses.

Recreational Marine Coverage provides financial protection not only for your boat, but also in cases of bodily injury and property damage.