为富裕家庭提供个人保险

无论是从外面进入洪水还是从你家的管道系统, 水灾是造成房屋损失的最常见的原因. 许多政策排除了下水道和排水沟的备份造成的损失, 所有未经批准的房主政策都不包括洪水造成的损害.

仔细的检查是必要的，以保护你的家和财产免受所有水源的破坏. We recommend coverage solutions from insurance companies that include backup of sewers and drains. 此外，首先要确定具有成本效益的解决方案，以解决洪水破坏的风险.

通常, 对于有价值的财产，房屋业主保险有一个附加限额, 如珠宝, 皮草, 美术, 和其他收藏品.

Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. 即使储存在你的财产中，它们通常也不包括在你的业主保险中.

Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.

更多的智能技术进入家庭，技术触手可及, 恶意软件, 黑客, 其他网络威胁也会危及你的安全, 财务状况, 和声誉.

身份盗窃, 人身伤害, and cyber risk coverage may be available as an important add-on coverage to your homeowners policy.

在家里雇佣家庭佣人会有风险. Employees can become injured on the job, leaving you to pay out-of-pocket for their medical expenses. 另外, 员工可以起诉不正当解雇, 隐私问题, 歧视, 和骚扰索赔.

当你的员工在工作中受伤时，一定要确保有医疗保险. 另外, employment practices liability insurance can protect you from high legal costs associated with lawsuits and additional claims from current and past employees.

当由于闪电等意外事件造成房屋严重损坏时, 火, 或者一个风暴, 你可能不能住在你的房子，直到它可以修理或重建. 因此，你可能会因住宿、食物和其他日常需要而产生额外的生活费用.

Look for coverage that provides higher limits to ensure that your schedule and your standard of living is not compromised. Additional living expense coverage compensates you for the costs incurred for housing and other living expenses if a covered event makes your home temporarily uninhabitable while it’s being repaired or rebuilt.

You invite guests over for a pool party and one of them dives into the shallow end of the pool and is permanently injured. 经过长期的法律斗争，他们聘请了一名律师代表他们, 你和你的家人要为他们的伤害承担经济责任.

An excess liability (or umbrella policy) increases your personal liability limits by adding protection over and above your current auto, 船舶或业主政策. Excess liability insurance is available as separate coverage and offers additional peace-of-mind knowing that you have the protection you need.

大多数火灾都是毁灭性的. 除了情感上的影响，你的家可能会受到严重的物理伤害. If you lost your home to 火, do you have adequate insurance to replace your home and its contents? 还记得, inflation rates on building materials and construction costs rarely track with real estate values. 因此，重建房屋的成本往往比预期的要高得多.

确保你的房主的保单包含没有上限的重置费用. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. 并且，确保您的保险包括按代码重建您的住宅. Very often, local ordinances and building codes change over time, which may require additional costs.

万一有人在你的地盘上滑倒了, 你和你的家人可能要为由此造成的任何伤害负责.

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. 然而, you should consider purchasing an excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

你不必住在水体附近，因为洪水而遭受损失. 随着气候模式的变化和全球范围内破坏性风暴的发生, 在那些通常不容易遭受洪水破坏的地方，洪水损失正变得越来越普遍. 你的房屋保险不包括洪水造成的损失. 你的家会有危险吗?

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National 洪水保险 Program (NFIP). 在美国.S., a flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write-your-own carrier. 另外, 你可以在你的房产政策上购买超额限额，以更好地保护你的房子.

Owning a secondary home or rental property has the potential of increasing your liability exposures.

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability policy to provide for additional liability limits.

旅行是令人兴奋的，但每一次旅行都伴随着风险. 无论是工作还是娱乐，减轻压力总是能改善旅行体验. 如果你去另一个国家旅行，你的保险政策可能不适用. 其他需要考虑的事情是旅行中与犯罪、受伤或死亡相关的费用.

Various types of travel insurance are available that may offer protection in case of lost baggage, 行程取消或延误, 或旅行中断. 你可能还想考虑承保意外死亡和肢解的保单, 以及遗体的遣返.

而你的房产保险涵盖了各种各样的风险, 比如火灾或倒下的树造成的损坏, it doesn’t cover some common types of problems that can occur to the equipment in or around your home. 例如, 当地发电厂的突然电涌可能会损坏电器, 暖通空调系统, 或者你的家用发电机.

把机械故障保险加到你的房主政策中. 如果你有多套房子，你可以单独购买每一套. Keep in mind that while it does protect against major events, it does not cover normal wear and tear.

计划一个婚礼, 成年礼, 犹太女孩, 家庭团聚, 或者其他私人事件就足够让人紧张了. The last thing you should worry about is severe weather that could cause you to postpone the event. Or, what happens is a vendor goes out of business or declares bankruptcy before your event and you lose your deposit?

不管你计划得多仔细，事情还是会出差错. 为你的活动购买保险. It’s typically not very expensive and helps keep you focused on all of the things that go into making your event truly memorable.

保险公司经常限制覆盖范围，以补救模式，产生了一个覆盖的损失.

许多房主不知道这种风险，也不知道自己的保险范围, 一定要讨论保险选项和损失预防解决方案，以帮助降低这种风险.