Private Client Services

High-value, luxury, and collector cars differ from standard cars in terms of keeping them protected with automobile insurance. You may want to pick your own repair shop in case of an accident. You also understand collector vehicles appreciate over time rather than depreciate – valuing the vehicle correctly is important in your insurance policy.

Not only is driving without insurance illegal in most states, it can put you at significant financial risk. Having adequate insurance coverage will prevent you from financial wreck should you be involved in an accident or incur vehicle damages.

The three types of auto insurance coverage are liability, physical damage (comprehensive/collision), and uninsured motorist.

Whether your own or lease your vehicle, auto insurance is a must, and required in almost all states. It’s important to purchase enough coverage to protect yourself financially, which may be more than the minimum requirements of your state.

SIP Private Client Services specializes in high-value, luxury, and collector cars so you can be confident your car will be protected.

The last thing you want is for your home to be destroyed. To add insult to injury, your homeowners insurance may not help you as much as you would expect them to. Homeowners coverage will vary between houses, and it is important to make sure you have the right coverage for your situation.

Homeowners insurance, also called hazard insurance or home insurance, is designed to protect the homeowner against certain named perils. Most homeowner insurance policies come with a deductible and exclusions.

A standard homeowners insurance policy covers losses occurring to one’s home as well as the contents of the home. Additionally, there is usually a loss of use component that provides coverage when the home is not habitable due to destruction from a named peril. Liability insurance for accidents that occur inside the home will also be included in a homeowners insurance policy.

Homeowners policies protect you from more than just incidents to your house. It will protect you from guests who may get injured on your property and sue you.

SIP Private Client Services understands no two homeowners policies are the same. We will work with you to get the right coverage for your home.

Your homeowners and automobile insurance offer liability coverage, but is that enough incase someone files a claim against you? It’s hard to imagine that happening to you… until it does. While it is unlikely, it is still possible. It’s important to be prepared.

Medical bills are expensive, and it doesn’t take long for them to exceed your auto or home liability limits. A car accident or unexpected incident on your property can become costly.

Umbrella Insurance is the best way to further protect yourself from a situation like that.

SIP Private Client Services will help you evaluate your situation and choose the best coverage level to fit your needs.

Boat owners have one thing in common; they love the water. However, when you decide to purchase a boat, it comes with its own set of risks.

Unforeseen circumstances, such as a storm, damage that causes sinking, collision, or theft, can suddenly cost you large amounts of money if you were not properly insured. A variety of risks cause financial burden because of the damage they cause to your boat, including its many components. There’s also a risk of bodily injury to others, and damage to other vessels.

Protect your finances by obtaining adequate insurance coverage for your boat, so that you can enjoy your time on the water without worry.

Your homeowners insurance will only provide a limited amount of coverage for your valuables, such as jewelry and fine art. If your valuable items get damaged, stolen or lost, you may not be able to replace them at their true value.

Valuable Articles Insurance can be added onto your homeowners insurance policy to extend coverage to the items that you value the most. Valuable articles insurance will cover the entire value in cash of your items – even recently obtained or broken fragile items.

Speak with a SIP Private Client Specialist today to see how you can protect your most valuable belongings.