What you've built What Linden Grove Agency consider
Custom or luxury residence Replacement cost, specialty construction, water damage,
equipment breakdown
Jewelry & watches Blanket vs. scheduled coverage, valuation, mysterious disappearance
Art & collections Agreed value, breakage, transit and newly acquired pieces
Luxury & collector vehicles Agreed value, OEM parts, diminished value, worldwide
rental considerations
Secondary residences Coordinated limits and liability
Umbrella liability Assets, income, vehicles, properties and lifestyle exposures
Domestic employees Workers compensation and employment-related exposures
Boats & recreational assets Physical damage and liability
Cyber & identity Fraud, cyber extortion and identity restoration
The Next Generation Young drivers, adult children and changing households
A traditional approach may ask… Linden Grove Agency asks…
What is the house worth? What would it actually take to recreate this home?
How much jewelry do you own? What do you own that would be difficult or impossible to replace?
How many cars? How are the vehicles used, stored and valued?
Do you want an umbrella? Where could a serious liability claim threaten your assets?
What carrier is cheapest? Which carrier's contract and claims philosophy best fits your risks?
Ready to bind? What might we have missed?