
One Break Underground Can Cost Five Figures: Service Line Coverage Explained
Service Line Coverage: The Underground Gap in Most Homeowners Policies When people think about homeowners insurance, they usually picture the obvious: the home itself, personal belongings, maybe a big loss like fire or storm damage.

Why OEM Parts Coverage Is Essential for Protecting Luxury and Collector Vehicles
When it comes to high-end, exotic, or collector vehicles, not all repairs are created equal. For High Net Worth (HNW) individuals, every detail matters — from performance engineering to aesthetic precision. And when accidents happen,

The Hidden Risk Even Wealth Can’t Shield: Why UM / UIM Coverage Matters More Than You Think
For affluent families, asset protection often focuses on estate structures, umbrella policies, and liability coverage. But there’s a quiet, often-overlooked risk hiding in plain sight — one that plays out on roads and highways every

Why Standard ALE Coverage Falls Short for Affluent Households — and What to Do About It
Understanding ALE Coverage: A Critical Yet Overlooked Safeguard for Affluent Households When it comes to protecting your home, most high net worth families focus on dwelling limits, liability, and valuable articles coverage. But what happens

When Rebuilding Isn’t the Right Choice: Understanding the Cash Out Option
When disaster strikes a home, most policies are designed to help you rebuild. But what if rebuilding isn’t the right choice? For high-net-worth families, rebuilding after a catastrophic loss isn’t always practical — or even

Agreed Value Coverage: The Must-Have Protection for High-Value and Collector Cars
For clients who own exotic vehicles, luxury cars, or collector classics, insurance can be one of the most misunderstood — and costly — blind spots in their financial plan. At a glance, standard auto policies

Getting Good Service Shouldn’t Be This Hard (Especially When You’re Paying This Much)
You’ve stayed loyal to your insurance carrier. The coverage works. Claims have been fine. But the service? Not even close. You don’t know who to call when something comes up. Emails go unanswered, or you

Nonprofit Board Service: Why Personal D&O Coverage Matters
Successful individuals often give generously not just with their wealth, but with their time and expertise through nonprofit board service. While these contributions create meaningful impact, they also create personal liability exposure that many board

Converting Your Home to a Rental: Essential Insurance Changes
When you decide to rent out your home to a long-term tenant, your standard homeowner’s insurance no longer provides appropriate coverage. The moment your property changes from owner-occupied to tenant-occupied, you need a landlord insurance

Why Insurance Companies Are Getting Tough on Roofs
Property insurance companies are taking an increasingly hard line on roof coverage, and homeowners are feeling the impact through higher deductibles, reduced coverage, and stricter age restrictions. Understanding what’s driving these changes helps you navigate

Course of Construction Insurance: Protecting Your Dream Home from Day One
Building a custom home is one of life’s most exciting investments. But from the moment construction begins, your project faces risks that standard homeowner’s insurance can’t handle. Course of Construction (COC) insurance fills that gap,

Why Your Luxury Car Deserves Luxury Insurance
When you invest in a luxury vehicle, you expect quality, performance, and attention to detail. Your auto insurance should reflect that same philosophy. Yet many luxury car owners carry standard coverage that treats their $80,000

Building Your Financial Moat: The Ultimate Guide to Umbrella Insurance
Umbrella insurance is the ultimate financial protection. It is a liability shield that goes over all your underlying policies. Yet most affluent families either don’t have enough coverage or have critical gaps that could leave

Two Insurance Decisions That Feel Smart But Cost You Money
The most successful families often make insurance decisions that seem financially prudent but actually work against them. We see this pattern repeatedly: choosing low deductibles to “get value” from insurance and keeping adult children on

The Hidden Risks in Your Home Insurance: Why 70% of Homeowners Are Dangerously Underinsured
Your home is likely your largest asset. Yet statistics show that 70% of homeowners don’t have enough coverage to rebuild if disaster strikes. This gap could force you to liquidate investments or delay retirement, exactly

Auto Tariffs Will Impact More Than Just Your Premium: What You Need to Know
President Donald Trump’s 25% tariffs on imported vehicles and auto parts, effective April 3, 2025, will impact the entire auto insurance landscape. Here’s what to expect and how to protect yourself properly. Insurance Implications Beyond

Umbrella Insurance 101: What It Is and Why Everyone Needs It
In our recent lunch and learn session, we explored the critical yet often overlooked topic of excess liability insurance, commonly known as “umbrella insurance.” This coverage serves as an essential safety net for protecting your

How Much Umbrella Coverage Do You Really Need?
Determining the right amount of umbrella insurance coverage is one of the most common questions clients ask. As we discussed in our recent expert panel on excess liability insurance, there’s no one-size-fits-all answer, but there

Common Misconceptions About Asset Protection: What Your LLC or Trust Won’t Shield You From
Many high-net-worth individuals and families establish LLCs and trusts as part of their estate planning and asset protection strategies. While these entities can provide valuable protection when properly established and maintained, they aren’t bulletproof shields

What Does Flood Insurance Actually Cover? (And What It Doesn’t)
When clients say “my basement flooded,” it could mean a burst pipe, a sewer backup, or stormwater pouring through a patio door. But only one of those meets the strict insurance definition of a “flood.”

[Webinar Recording] Why Umbrella Insurance is Essential for High-Net-Worth Clients
Have clients whose assets exceed their liability coverage limits?Watch to understand why umbrella insurance is critical and learn how to help clients properly protect their wealth from unexpected lawsuits. Our experts cover:

The Future of Personal Insurance: Trends Reshaping Your Coverage Options
The personal insurance world is undergoing dramatic changes that affect how we protect our homes, valuable possessions, and personal liability. With standard markets tightening and excess and surplus (E&S) options expanding, understanding these shifts helps

Real Solutions from the Non-Admitted Market
When standard insurance carriers can’t accommodate your unique situation, creative solutions become essential. At Brunswick Private Client, we’ve helped numerous clients navigate these challenging waters through the excess and surplus (E&S) market, finding protection for

Understanding Non-Admitted Insurance: When Standard Coverage Isn’t an Option
When traditional insurance companies say “no,” non-admitted markets (also known as excess and surplus lines or E&S) become your path to protection. These specialized carriers provide coverage flexibility that standard insurers simply cannot offer—and they’re

Auto Insurance in 2025: Strategic Protection for Your Valuable Vehicles
The automotive insurance landscape has transformed dramatically in recent years, with repair costs soaring and wait times lengthening. As these challenges continue to evolve, ensuring your luxury vehicles have appropriate coverage becomes increasingly critical to

2025 Property Insurance Trends: What Homeowners Need to Know
As we navigate 2025, the property insurance landscape for high-value homes continues to evolve, bringing nuanced considerations for owners of distinctive properties. From specialized coverage terms to more stringent requirements, here’s what you need to

[Webinar Recording] Navigating Non-Traditional Insurance Solutions – Expert Q&A
Finding appropriate insurance coverage is becoming increasingly challenging in today’s market. In the March edition of Brunswick Private Client’s Insurance Insider webinar, our expert panel explores the growing importance of non-admitted insurance solutions. Meet Our

Wildfire Insurance Guide: Protecting Your Assets in Uncertain Times
The devastating California wildfires have left many homeowners questioning their insurance coverage and emergency preparedness. As these natural disasters become more frequent and intense, it’s crucial to ensure your assets are properly protected. At Brunswick

Patients in Assisted Living Still Need Insurance
A client recently moved his mother into assisted living and was worried about her new exposures in a shared living space. Did the facility’s insurance cover her and her belongings? To help him get the

Insuring Co-Owned Non-Rental Property
A client recently bought a home for his parents to live in. Both his parents’ names as well as himself and his spouse were listed on the deed to the home. The parents insure the

Homeowner’s Insurance Won’t Cover Home-Based Businesses
A client has a side business where she is a photographer taking family portraits out of her home. During her audit, we discovered that her homeowner’s policy wouldn’t extend should a client be injured in

Splitting Assets Includes Insurance
After reviewing a client’s portfolio, we realized the ex-husband was still on all of the policies even though they no longer lived in the same home and assets had been divided. They hadn’t thought to

Insuring Your Closet? Yes!
In the event of a disaster, homeowners insurance will pay the agreed amount to rebuild or repair the home. But what about the things inside the home? Anything in your closet that isn’t jewelry or

Accused of Wrongful Termination
Many clients have the ability to hire personal staff to help make life easier. Housekeepers, nannies, caretakers, and personal assistants are all wonderful resources for busy families. But if the employee is hired directly (no

The Correct Value of “Other Structures”
Homeowner’s policies cover the “Dwelling” (the main home structure) and then separately provide coverage for “Other Structures” (those not attached to the main home) which can include: detached garages, guest homes, sheds, fences, pools/pool houses,

Art Collections Need More Than Just Insurance
Certain carriers go above and beyond for their clients with high-valued art and collectibles. They can provide services like transportation recommendations when moving art on loan to a gallery or museum, advice on how to

Not Licensed In That State
Insurance agents must be licensed in every state they place business in. Often times an agent will not be licensed or have the carrier options outside their home state. This becomes an issue when your

Phishing Scammer Steals Deposit
Hackers are getting more sophisticated by the day. Having the proper protection to come to the rescue in times of a breach is priceless. Several of our carriers offer a standalone personal cyber policy that

Do You Need Earthquake Coverage?
Do your clients have earthquake coverage in their homeowner’s insurance policies? A select few may, but most policies exclude damage caused by earthquakes. Some carriers offer earthquake coverage that can be purchased as an endorsement

Is Your Auto Insurance Premium Up to Date?
Accidents and traffic tickets happen to the best of us, and it can be costly in more ways than one. But no one should pay specialty market insurance rates longer than they have to. A

All-Needs-Covered Insurance: Rental Car Coverage
Most carriers offer a nominal per day rental car limit that may only cover a compact size car. Would that be enough for your needs? One of our clients was involved in a car accident

How to Protect Investments While Paying Medical Bills
With over 3 million car accidents happening each year in America, the possibility of unexpected medical expenses should be on everyone’s mind. If a client is involved in an accident with an uninsured or underinsured

Disaster Coverage: Total Loss Home Insurance & Cash Out Options
When a total loss occurs, our clients want the option to rebuild their home or take a check and move on. One of our clients had been wanting to move to Florida for years, but

Uninsured Motorist Coverage for Lost Wages from Car Accidents
I have two clients who are young professionals with significant future earning potential. However, their umbrella policy didn’t include uninsured/underinsured motorist coverage.If someone were to hit them and they couldn’t work, they would want to

Even Renters Need Umbrella Liability Coverage
With no car and a simple apartment, Andrew, the adult child of significant family wealth, thought he didn’t need any insurance. But that’s not the case at all! While a renter’s policy will help with

How to Lower Your Homeowners Insurance Premium
Though a successful client had never turned in a claim for anything under $10,000, they had left their homeowners policy deductible at $250 for many years. But by having their deductible so low, they were

Is Your Homeowners Insurance Replacement Coverage Accurate?
The last time our new client discussed the value of their homeowner’s policy with their previous agent was 12 years and three renovations ago. Our audit found that their property was now worth $1M in

High Net Worth Umbrella Policies & Personal Liability Coverage
Our new client recently sold his business and his net-worth quadrupled overnight. This client had an umbrella policy, but it was only $2M because that was the highest limit his broker could underwrite. We encourage

Claim Hot Potato
One of our new clients discovered no one was his advocate during the claim process with his previous carrier. Having an accident is already a challenge, but it’s compounded when you discover you must manage

Avoid Duplicate Coverage for Multiple Business Entities
Most of you know that we are a full-service P&C insurance agency, yet I’m usually just talking about Personal Insurance with our clients. But I had a Business Insurance situation that could impact many of your

Have You Been Transferred to an Insurance Call Center?
It is time to end the myth that better service and insurance coverage will increase a client’s premium costs. This week, Brunswick Companies saved the client $3,000 by placing him with a premium carrier. And

Trustee & Endorsement Insurance
I just experienced something that needs to be shared. Our new client has been a trustee for years. In his role, he is responsible for a challenged, but independent adult. Our insurance audit uncovered that