Insurance for Dallas Families With More to Consider
Servitium brings personal insurance needs into one conversation, reviewing individual policies alongside the broader picture.
Homes and Property
Explore insurance for high-value primary, secondary, vacation, and rental homes. Builders risk addresses homes under construction or major renovation. Have a gentleman’s ranch? Farm & Ranch insurance requires attention to the property and its use. Flood insurance deserves a separate discussion; standard homeowners policies generally exclude damage caused by rising flood waters.
Personal Liability
Personal umbrella and excess liability options address enhanced liability protection beyond just your standard auto and home policies, while personal cyber and identity protection coverage can address eligible digital risks.
Vehicles and Recreational Toys
Auto and watercraft insurance work alongside additional coverage options for motorcycles, RVs, golf carts, travel trailers, and ATVs. Servitium helps clients consider how each vehicle or vessel is used when reviewing coverage.
Collections
Jewelry, fine art, wine, firearms, and other collectibles may need more attention than a standard home policy provides. Many homeowners policies put low coverage limits on high-value contents.
Carrier Choice With Personal Guidance
Servitium works with a broad range of insurance carriers. Key carrier partners include Berkley One, PURE, Chubb, AIG, Hagerty Travelers, Liberty Mutual, and Progressive, among others. Recommendations depend on the client’s needs, underwriting, and available coverage.
Coverage terms, limits, exclusions, and availability vary by policy, carrier, and state.
