DTRT Private Client
Advisory Protection ForSignificant Assets.
Estates, collections, watercraft and personal liability deserve more than an online rate. Our private client advisors design and steward a coordinated protection plan around the way you actually live.
Private consultations · By appointment · Discreet service
Built for the
way you live.
Standard policies rarely match extraordinary lives. We build coverage that does.
High Value Homes
Replacement cost coverage for luxury residences, estates and secondary homes.
Luxury & Collector Autos
Agreed value policies for exotic, classic and high value vehicles.
Yachts & Watercraft
Hull, liability and crew coverage for yachts and large vessels.
Fine Art & Collections
Scheduled coverage for jewelry, art, wine, antiques and collectibles.
Excess Liability
Personal umbrella limits that protect against major lawsuits and claims.
Worldwide Protection
Coverage that travels with you, your family and your assets.
What's usually not included in a standard policy, but we may be able to cover.
Business activities
Commercial ventures and business owned assets need a separate commercial policy.
Intentional acts
Liability coverage does not extend to intentional damage or criminal acts.
Unnamed household staff
Domestic employees may need a workers' compensation or employment policy endorsement.
Schedule a consultation
We review your assets, lifestyle and coverage goals in a private, no pressure conversation.
We design your program
We build a tailored insurance portfolio across home, auto, watercraft, collections and liability.
Ongoing stewardship
We monitor values, acquisitions and market changes so your protection keeps pace with your life.
Private consultation
Schedule a call with a private client advisor.
This is a consultation, not a quote form. Share a few details and an advisor will reach out privately to schedule a conversation about your assets, exposures and protection goals.
Prefer to talk now?
(954) 772-8232Private client questions.
Straight answers, no jargon.
Who qualifies for Private Client services?
Private Client programs are designed for individuals and families with high value homes, luxury vehicles, watercraft, significant collections or elevated liability exposure. If your assets exceed the limits of standard policies, this service is for you.
Can you cover homes outside of Florida?
Yes. We can structure nationwide and worldwide coverage for secondary homes, rental properties and assets located outside Florida.
How is high value home insurance different?
High value home policies typically offer guaranteed replacement cost, broader covered perils, higher contents limits and concierge claims service — all tailored to the way luxury homes are built and furnished.
Do you work with family offices or advisors?
Absolutely. We collaborate with family offices, wealth advisors, attorneys and accountants to make sure insurance aligns with your overall wealth plan.