Question 1

Water Damage from Multiple Sources

Accepted Answer

Water damage is the most common loss to a home, whether it seeps in from outside during a flood or backs up from your plumbing system. Standard homeowner policies exclude sewer backup and all flood damage, leaving you exposed. We shop carriers that include sewer and drain backup coverage in their base policy, and we'll identify affordable flood solutions to address your specific risk. Careful review of your home's water exposure is the foundation of a solid plan.

Question 2

Jewelry, Art, and Collectibles

Accepted Answer

Standard homeowner policies cap coverage on valuable items like jewelry, furs, and fine art, often far below their actual replacement cost. We add a personal articles floater or schedule your valuables individually, so you have full replacement cost protection without surprises when you need it most.

Question 3

Collector and Classic Vehicles

Accepted Answer

Your collector or classic car has significant value and unique documentation needs that standard homeowner or auto policies don't address, even when stored on your property. We place your collector vehicles with specialized carriers who understand classics and vintage cars. They'll help us document value and ensure agreed-value coverage so you're protected at the amount we've agreed to upfront.

Question 4

Cyber Threats and Identity Theft

Accepted Answer

As your home fills with smart technology and your digital life expands, malware, hackers, and data breaches put your security, finances, and reputation at risk. We add cyber risk, identity theft, and personal injury coverage as endorsements to your homeowner policy, tailored to your tech footprint and lifestyle.

Question 5

Workers Compensation and Employment Practices Liability

Accepted Answer

If you employ household staff, nannies, landscapers, or other domestic help, you face medical liability when they're injured on the job, plus legal exposure from wrongful termination, discrimination, or harassment claims. We structure coverage for employee medical expenses and obtain employment practices liability insurance so you're protected against both injury claims and costly lawsuits from current or former staff.

Question 6

Temporary Housing and Living Costs

Accepted Answer

A fire, lightning strike, or major storm can leave your home uninhabitable for months while repairs or rebuilding happen. Standard policies may not cover enough of your actual lodging, food, and daily expenses during that time. We make sure your policy includes higher additional living expense limits so your standard of living isn't compromised while your home is being repaired or rebuilt. This coverage pays for the real costs of temporary housing and living.

Question 7

Umbrella Protection Beyond Your Policies

Accepted Answer

A single slip-and-fall at your pool party, or a guest injury at your home, can result in a lawsuit that exhausts your homeowner and auto policy limits, putting your personal assets at serious risk. We layer excess liability (umbrella) coverage over your homeowner, auto, and boat policies to add millions in protection. It's one of the most cost-effective ways to safeguard your wealth.

Question 8

Fire Loss and Reconstruction Costs

Accepted Answer

A home fire can be devastating both emotionally and financially. The cost to rebuild often exceeds the home's market value because construction costs and material inflation outpace real estate appreciation. Without replacement cost coverage, you'll absorb the difference out of pocket. We ensure your policy includes replacement cost coverage with no cap, and we verify it covers rebuilding to current local code. This means you're covered even if reconstruction costs run higher than your coverage limit.

Question 9

Slip, Fall, and Injury Claims

Accepted Answer

Someone slips on your property or is injured at your home, and you're held liable for their medical bills and damages. A single incident can expose you to a six or seven-figure lawsuit. Your homeowner policy includes personal liability coverage for third-party injuries, but we also recommend excess liability insurance to increase your protection limits and cover legal costs that could go well beyond what your base policy provides.

Question 10

Flood Insurance Beyond Homeowner Coverage

Accepted Answer

You don't need to live near water to suffer flood damage. Changing weather patterns mean flooding is now a risk almost everywhere, and your homeowner policy doesn't cover it at all. We purchase a separate flood policy through the NFIP (National Flood Insurance Program) or a write-your-own carrier, and we may also add excess flood limits to your homeowner policy for comprehensive water damage protection.

Question 11

Liability Coverage for Multiple Properties

Accepted Answer

Owning a secondary home or rental property multiplies your liability exposure across two locations, and standard homeowner policies may not extend protection to your second property. We extend your homeowner liability coverage to your secondary residence and layer excess liability over it. If you own multiple properties, this creates a cohesive liability net across all your homes.

Question 12

International and Extended Travel Protection

Accepted Answer

When you travel overseas or spend extended time away, your home insurance doesn't follow you, and standard medical or auto coverage may be limited or invalid outside the U.S. Crime, injury, or death while traveling can leave your family facing significant costs. We add travel insurance that covers lost baggage, trip cancellation and delays, accidental death and dismemberment, and medical evacuation. If you travel internationally on business or pleasure, this protects both you and your family while you're away.

Question 13

Mechanical Breakdown of Home Systems

Accepted Answer

A power surge from the grid can fry your HVAC system, appliances, or home generator, but your homeowner policy won't cover sudden mechanical or electrical failure, even though the costs can be thousands of dollars. We add mechanical breakdown coverage to your homeowner policy. It protects against sudden failures like power surges and compressor breakdown, and it can be purchased for each property individually if you own multiple homes.

Question 14

Wedding, Reunion, and Private Event Coverage

Accepted Answer

Planning a wedding, bar mitzvah, family reunion, or other major event is stressful enough without worrying about severe weather forcing a cancellation or a vendor going bankrupt before your event, costing you your deposit. We can purchase event insurance that covers weather cancellations, vendor bankruptcy, and other unforeseen circumstances. It's affordable and lets you focus on planning instead of worrying about things outside your control.

Question 15

Mold Damage and Remediation Costs

Accepted Answer

Most insurance carriers severely limit coverage for mold remediation, even when the mold results from a covered loss like water damage. You could face significant out-of-pocket costs to remediate. We review the mold coverage limits in your policy and discuss options and loss prevention strategies with you. Many high net worth policies offer broader mold coverage than standard homeowner plans, and we'll make sure you understand what's protected.

Question 16

How much do I need to have before high net worth insurance makes sense?

Accepted Answer

There is no single threshold, but most carriers that specialize in this segment start working with clients whose home replacement cost exceeds $750,000 to $1 million, or whose total asset picture includes multiple properties, significant collections, or domestic staff. If your current policies have sublimits, exclusions, or liability caps that feel inadequate relative to what you own, that is a practical signal to have the conversation. We can assess where your current program has gaps before recommending a move.

Question 17

Can high net worth insurance cover multiple homes in different states?

Accepted Answer

Yes. One of the practical advantages of a high net worth program is that a single carrier or coordinated program can cover a primary residence in Eagle, a vacation property in Sun Valley, and a second home in another state under one policy structure with consistent liability protection across all locations. This eliminates the coordination problems that arise when each home is insured separately with different carriers and different liability stacks.

Question 18

What is agreed value coverage and why does it matter for my home or car?

Accepted Answer

Agreed value means you and the insurance carrier establish a specific payout amount before a loss occurs, and the carrier pays that amount in full if the item is totaled or destroyed. This is different from actual cash value (which deducts depreciation) and even from standard replacement cost (which can still involve disputes about pricing). For collector cars and high-value personal property, agreed value eliminates the negotiation after a claim.

Question 19

Does a high net worth homeowners policy cover flood damage?

Accepted Answer

No homeowners policy, including those designed for high net worth clients, covers flood damage by default. Flood coverage is purchased separately through the National Flood Insurance Program or a private market carrier. If you live in a Treasure Valley neighborhood near the Boise River, an irrigation canal, or in a low-lying area with clay soil that doesn't drain well after heavy rain, flood risk is worth examining even if you're not in a mapped Special Flood Hazard Area.

Question 20

Do I need separate insurance for my nanny or housekeeping staff?

Accepted Answer

If you employ household workers directly rather than through a staffing agency, you may be legally responsible for their injuries on the job in the same way a business is responsible for its employees. Workers compensation for domestic employees addresses medical costs and lost wages after a workplace injury. Employment practices liability insurance covers claims of wrongful termination, harassment, or discrimination. Neither is typically included in a standard homeowners policy, but both can be built into a high net worth program.

Question 21

How does Bittick place high net worth insurance, and which carriers do you work with?

Accepted Answer

Bittick is an independent agency, which means we are not contracted to place business with any single carrier. We work with multiple carriers that specialize in high net worth personal lines and match clients to the program that fits their asset profile, risk tolerance, and coverage priorities. We do not underwrite policies ourselves; our role is to advise, shop, place, and service the coverage on your behalf.

Eagle Office

San Antonio Office

Insurance built for what you've actually accumulated

Your high net worth deserves protection that matches your lifestyle.

The risk

How this coverage helps

What this coverage includes

Primary and secondary residences

Valuable possessions and collections

Collector and classic vehicles

Personal liability and excess liability

Domestic staff, cyber risk, and specialized exposures

Pairs well with

Personal Umbrella Insurance

Flood Insurance

Classic and Collector Car Insurance

Travel Insurance

Valuable Items Coverage

Frequently asked questions

Let's look at what you actually have to protect