Personal Insurance
Exceptional Vehicles
Deserve Agreed Value
Personal auto and collector vehicle coverage structured around what your vehicles are actually worth — not what a standard carrier thinks they're worth after depreciation.
From daily drivers to concours-quality classics — we build programs for vehicle collections that perform at the moment of loss.
Our Process
Value. Structure. Protect.
We review your vehicle inventory, current policy valuations, and usage profile to build a program that covers every vehicle at its true agreed value — with the right carrier for each type.
Our advisors review your full vehicle collection — from daily drivers to garage queens — to identify where standard coverage falls short, where agreed values are outdated, and where specialist carriers provide meaningfully better protection.
Technology does the heavy lifting. Human judgment makes the decisions.
You receive:
- Vehicle valuation and agreed value review
- Carrier match for each vehicle type
- Track and event coverage options
- No obligation to proceed
Auto Program Analysis
Program Comparison
Current Program
$30,200
Optimized Structure
$24,300
Your Auto Proposal
Review your customized personal auto coverage recommendations
Collector Vehicle
Current Coverage
ACV / Standard
Annual Premium
$3,200
Proposed Coverage
Agreed Value $180K
Annual Premium
$2,600
Why It Matters
A standard carrier will pay depreciated value. We pay agreed value.
For high-value and collectible vehicles, the difference between ACV and agreed value at total loss can be tens or hundreds of thousands of dollars. Standard carriers aren't built for exceptional vehicles — private client carriers are.
What We Cover
Every Vehicle in Your Collection, Properly Covered
From daily exotics to trailer queens — every vehicle and every use case, covered by a specialist who understands what you own.
Agreed Value for Collectors
Collector and classic vehicles require agreed value coverage — ensuring you receive the full insured value at a total loss, without depreciation or negotiation.
Coverage Includes
- Agreed value — full payout at total loss
- No depreciation applied
- Inflation protection rider available
- Coverage for unrestored and project vehicles
Original Parts & Restoration
When a covered vehicle is damaged, original and factory-correct parts are used for repair — not generic aftermarket components that diminish value.
Coverage Includes
- OEM and original parts required
- Factory-authorized repair facilities
- Concours-quality repair standards
- Restoration coverage during active projects
Track Day & Events
High-performance vehicle owners who participate in track days, rallies, and club events need coverage that extends beyond standard road use.
Coverage Includes
- Track day endorsement available
- Rally and touring event coverage
- Auto show and concours coverage
- Transportation to events included
High-Value Personal Auto
Luxury daily drivers and exotic vehicles require coverage structures — including diminished value and new vehicle replacement — unavailable from standard carriers.
Coverage Includes
- Diminished value coverage
- New vehicle replacement (first year)
- Worldwide coverage and roadside
- Loan and lease gap protection
Who We Serve
Enthusiasts and Collectors
Whether you own one exceptional vehicle or a curated collection, we place your coverage with carriers who understand what you own and how you use it.
Classic & Collector Cars
Pre-war, vintage, and modern classics that have appreciated beyond standard ACV and require agreed value treatment with restoration-quality repair standards.
Exotic & Supercar Owners
High-performance and limited-production vehicles require private client carriers who understand real-world values and concierge claims handling.
Multi-Vehicle Collections
Collectors with garages full of vehicles benefit from fleet programs that apply agreed value across the portfolio under a single coordinated policy.
Your vehicles deserve coverage that pays what they're worth.
No obligation. Confidential review. Built around your collection.