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Illustrated city street with a modern condo building with balconies on one side and a brick townhouse under a tree on the other, a silver SUV parked at the curb, a bicycle with a purple basket and a skyline with a domed building in the distance

Insurance for individuals

coverage that
grew up with you.

The condo, the car, the watch and the liability that comes with doing well. One advisor, one plan, the right carriers.

get started

MARKETS WE PLACE THROUGH

Progressive Commercial
Chubb
Travelers
Nationwide
AmTrust
CNA
biBerk
ERGO NEXT
THREE

everything you
own, one plan.

Your home, car, valuables and liability. Tap around to see how it fits together, and where the gaps usually are.

Illustrated cutaway of a condo: a living room with a sofa and balcony, an entry with a suitcase by the door, a bedroom with an open purple watch box on the dresser, a home office with a laptop showing a lock, and a sports car parked in the garage below

home insurance

Your condo, walls in

Rebuilt the way you had it.

art and valuables

The watch you saved for

Covered at its full value.

car insurance

Your car

Damage, theft and liability.

personal cyber

Your accounts and identity

Help and costs if you’re hacked.

home insurance

Your condo, walls in

Rebuilt the way you had it.

Examples. Your policy sets the details.

what could a
lawsuit reach?

Pick your net worth to see the gap home and auto leave.

At $5M

Most of it, exposed.

Many people carry excess liability at least equal to what they’d stand to lose.

A lawsuit against you. What home and auto cover: $500,000. exposed without excess liability: $4,500,000.

bad day?
make one call.

One call to us. We bring in the carrier and the right experts, and follow it until it’s closed.

  1. 1. Call us first

    Tell us what happened. Photos help.

  2. 2. We bring in experts

    Adjusters, repairers and the carrier, lined up for you.

  3. 3. We push it through

    Repairs and payouts, followed to the end.

the best price, without the shopping.

Tell us about your home and family once. We compare the carriers and bring back your options, side by side.

Alex Moreno

your options

$4,900a year, one plan

3 options, same coverage

Option A$4,900

Option B$5,500

Option C$6,300

Condo1 carWatch$5M excess
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

get started

Put them on one program and we shop them together at every renewal.

good to know.

Straight answers for individuals.

What insurance does a high earner need?
Usually home or condo insurance, car insurance, excess liability and coverage for valuables like watches and jewelry. Many also add personal cyber. As income and assets grow, liability limits matter most, since a lawsuit can reach both what you own and what you’ll earn.
When should I get excess liability?
Often once your net worth or income passes what your home and auto limits cover, which depends on the limits you carry on each policy. Excess liability limits depend on what you’d stand to lose, and it’s often less expensive than people expect for the protection it adds.
Is my watch covered by my condo policy?
Usually only up to a small theft limit, which varies by policy. To cover a watch at its full value, including loss, schedule it on a valuables policy with a recent appraisal or receipt.
Do I need a private client insurer?
Not always, but they often fit better once you have a higher-value home, several cars, valuables or higher liability limits. Private client carriers typically offer broader coverage, higher limits and claims service built for more complex losses.
Can I put all my policies with one advisor?
Yes. One advisor can place your home, cars, valuables, excess liability and cyber together, even with different carriers, so limits line up and nothing falls between policies. It also means one call when something happens.

Insurance words, in plain English: scheduled personal property · agreed value

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA