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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“Every time I call, I get first rate, super fast responses and the patience to go through all of my concerns and questions.”

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About La Playa Private Client

Specialist & Independent

La Playa's Personal Risk Concierge service means advice you can trust - from an expert who understands you:

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

As an independent broker, we can advise on the best policies available - and on risk management measures including valuations, security, fire prevention and property marking - preserving the value of your property and giving you complete peace of mind. We have access to excellent terms with high net worth insurers including Chubb, Hiscox and Hartford.

What does “Boutique Service” actually mean?

La Playa’s Personal Risk Concierge means:

  1. Careful listening to really understand your needs and priorities
  2. As much help as you need with completing forms to provide risk information
  3. A discreet and complimentary appraisal* of your property to assess the risks and ensure you have the right cover where you need it
  4. An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions
  5. Careful monitoring of the insurers’ financial strength, claims and customer service
  6. An independent recommendation of the best policy for you - and why
  7. Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analyzed a wide range of policy wordings and have selected only the best for our panel. Our advisors have a deep working knowledge of these policies 
  8. An intelligently designed portfolio of protection across multiple asset classes and territories
  9. Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down
  10. A dedicated advisor so you can speak to the same person each time.
  11. Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers
  12. Direct phone and email access to your adviser for questions and advice. We aim to pick up calls within 3 rings and to respond to emails within 60 minutes
  13. Policy documents emailed to you - no logins and passwords to remember
  14. An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running, and driving through a swift financial settlement

Oh, and...

No call centres
No ‘hold’ music
No hidden fees

*subject to availability with our insurer panel

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+1 646 665 7737
+44 (0) 20 3865 0149
+44 (0) 1223 200650