Home Insurance for USA Newcomers

Home Insurance for USA Newcomers

US Home Insurance:A Guide for Newcomers

If you’re buying a property in the United States, you’ll need to get insurance.  It’s important to get your insurance arrangements in place early to avoid delays with the property transaction and to reduce the stress around your re-location arrangements. 

Insurance can help protect your household and family, providing financial compensation, reinstatement and replacement costs after damage, disaster and financial loss. You’ll need Buildings Insurance as soon as your property purchase is complete.

  • Buildings: for damage and loss arising from all risks including Fire, Escape of Water (leaks and floods), Subsidence, Accidental Damage, and Theft.
  • Liability: Liability Insurance provides financial compensation for negligence by you the property owner/occupier, if someone takes legal proceedings against you: for example, if through your negligence you cause harm, loss or injury to someone else, your domestic staff are injured at work, or a guest slips and falls on your property.
  • Property: Property Insurance will pay to replace or repair your personal belongings, fine art, jewelry, valuable articles and the general contents of your home, after damage or loss.
  • Auto: It’s a legal requirement in the US for owners and drivers of vehicles to buy Auto Insurance. As well as paying for repairs, it provides for damages to property and for the death or injury of others who may be involved in a road accident with you.

La Playa Private Client can help with all your insurance needs as well as advising on:

  • Valuation: an appraisal of your property and home contents to establish how much insurance to buy.
  • Property Security: fire protection, burglar alarms, panic rooms, CCTV, risk management.
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About La Playa Private Client

Specialist & Independent

Specialist & Independent

La Playa Private Client creates a safe space for you to live life to the full, enjoying your family, friends, and assets wherever you are in the world - without worry or hassle.

We can make sense of all your insurance needs - property, yachts and superyachts, high-performance and classic cars, private jets, art, wine and jewelry collections – and your liabilities too. We can pull multiple assets together on a single “portfolio” policy – or if you prefer, take care of each item separately. 

Amid the impersonal and automated world of large insurance corporations, La Playa provides a refreshingly boutique-style service, with individual advice, and cover based on in-depth understanding of your specific situation. After a detailed and confidential review of your needs and priorities, we’ll structure your insurance arrangements so you know you and your family are protected, come what may.  

Advice you can trust

…from an expert who understands you

  • Specialist, global policies for affluent lifestyles
  • Independent, specialist advice
  • Boutique–style, luxury service
  • “Can do” culture
  • Worldwide capability: offices in New York & London
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