Protecting High-Value Homes, Assets, and Lifestyles
Your success deserves more than standard coverage. At Rocky Mountain Insurance Advisors (RMIA), we specialize in protecting high-net-worth households with comprehensive insurance solutions tailored to your lifestyle — across Castle Rock, Douglas County, and throughout Colorado.
Traditional insurance policies are not built for complex lifestyles or valuable portfolios. High Net Worth Insurance — sometimes called Private Client Insurance — provides broader protection, higher limits, and customized solutions for affluent individuals and families.
From luxury homes and vehicles to fine art, collectibles, and liability protection, RMIA partners with top-tier carriers that understand your unique needs.
If your assets exceed typical policy limits — or if you own multiple properties, luxury vehicles, or high-value possessions — a standard policy may leave critical gaps.
Common scenarios include:
Homes valued above $750,000
Multiple properties or vacation residences
Fine art, jewelry, or collectibles requiring appraised coverage
High-performance or collector vehicles
Household staff or domestic employees
Increased public profile or exposure to liability claims
A High Net Worth Insurance plan can include:
Primary Residence Coverage: Extended dwelling limits, guaranteed replacement cost, and optional cash settlements.
Vacation & Secondary Homes: Coordinated coverage across multiple properties and states.
Valuable Articles: Scheduled protection for art, jewelry, antiques, and collectibles.
Luxury Auto Coverage: Agreed-value settlements, OEM parts, and roadside assistance designed for exotic or collector vehicles.
Excess Liability / Umbrella: Additional $1M–$50M+ in liability protection beyond standard limits.
Cyber & Identity Theft: Safeguards for data breaches, cyber-fraud, or online extortion.
Flood, Earthquake & Wildfire Extensions: Specialized protection for Colorado’s unique environmental risks.
Castle Rock and Douglas County feature diverse high-value neighborhoods — from Castle Pines Village to The Meadows — where wildfire exposure, hail, and property replacement costs vary significantly.
Our advisors analyze these factors and tailor your coverage accordingly, ensuring nothing is overlooked.
Independent & Objective: We’re not tied to a single carrier — we compare elite markets like Chubb, PURE, AIG Private Client, and Cincinnati.
Discreet & Personalized Service: You’ll work directly with experienced advisors who understand confidentiality and service expectations.
Holistic Risk Management: From property to liability and cyber protection, we create cohesive programs that grow with you.
Castle Rock-Based Advisors: Local insight with national resources since 2003.
Typically, clients with homes valued above $750,000 or total insurable assets exceeding $1 million benefit from private-client coverage options.
It offers broader coverage limits, higher liability protection, and specialized features such as agreed-value auto settlements and guaranteed home replacement cost.
Yes. Private client carriers allow comprehensive portfolio coverage — including multiple homes, vehicles, and valuables — under unified account management for easier renewals and discounts.
Yes, but we tailor it carefully. Colorado’s Front Range faces hail and wildfire exposure, so we ensure your policy includes extended dwelling coverage and mitigation discounts.
We partner with top-rated companies such as Chubb, PURE, AIG Private Client Group, and Cincinnati Insurance to deliver elite-level protection and service.
A deductible is the amount you pay out of pocket before your insurance coverage kicks in. For example, if you have a $500 deductible and your claim is $2,000, you will pay $500 and the insurance will cover the remaining $1,500.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Your assets deserve premium protection — and peace of mind.
Let’s discuss your current coverage and identify opportunities for stronger, smarter protection.
