Private Client Group & High Value Home Insurance
Tailored Protection for Exceptional Homes and Lifestyles
When your home, vehicles, or lifestyle include higher-value assets, you need more than a standard insurance policy. At the Harry O. Culp Insurance Agency, we offer personalized insurance solutions through our Private Client Group, designed specifically for individuals and families who require broader, more specialized protection.
High-value homes and estates often include unique architectural features, luxury finishes, or custom-built elements that are not easily replaced. Many also house valuable collections, fine art, specialty vehicles, or recreational property. These are not just high-ticket items. They are investments, and they deserve coverage that reflects their worth and complexity.
We work with elite insurance carriers who understand these needs and provide comprehensive, concierge-style protection. Our job is to make sure everything is covered properly, with the attention to detail and discretion you expect.
What Makes High-Value Home Insurance Different
Most standard homeowners policies have coverage limits, exclusions, and assumptions that are not suited to luxury properties. High-value home insurance offers higher replacement cost thresholds, greater flexibility, and additional coverage options that fill those gaps.
For example, if your home has a replacement cost of $750,000 or more, a standard policy may not fully protect your structure or the custom features within it. High-value home coverage takes into account the cost of rebuilding to original standards, including unique materials, custom craftsmanship, and architectural detail.
You also have access to features like extended replacement cost coverage, cash settlement options, increased protection for personal belongings, and specialized coverage for jewelry, wine, antiques, or fine art. In addition, many high-value home policies include equipment breakdown coverage for items like central heating and cooling systems, high-end appliances, and home automation systems.
More Than Just the House
Our Private Client Group extends beyond the home. Many of our clients also need coverage for luxury or collector vehicles, boats and yachts, vacation properties, or global travel. We can help you coordinate your coverage across all of these assets, creating a seamless, single-source solution that is built around your lifestyle.
From classic cars to golf carts, from lake homes to international rental cars, we will work with carriers who specialize in covering high-value items with service to match.
You will also have the option to bundle policies under one plan, streamlining your billing, claims, and coverage management while maximizing value and benefits.
Discreet, Relationship-Based Service
High-value insurance is not just about policy features. It is also about service. When you work with the Harry O. Culp Insurance Agency, you are not calling a national hotline or waiting for an online quote form to respond. You are working directly with local professionals who respect your time, your privacy, and your priorities.
We will meet with you one-on-one to review your current coverage, walk through your property or portfolio if needed, and help you identify any gaps or vulnerabilities. We are available when you need us, and we are proactive about keeping your protection up to date.
Our goal is to take the burden of managing multiple policies off your plate and provide peace of mind that everything is in order.
Why Work With the Harry O. Culp Insurance Agency
Our agency has served families in Grand Ledge and across Michigan for nearly 100 years. We are rooted in service and built on trust. As an independent agency, we are not tied to one carrier. That means we can advocate on your behalf, shop among multiple high-net-worth programs, and select the options that offer the best fit for your assets and goals.
Whether you are insuring a newly built estate, a multi-property portfolio, or a growing collection of valuables, we are ready to help you build a plan that reflects your needs, protects your legacy, and simplifies your life.