Aon High Net Worth insurance delivers tailored protection for individuals and families with complex assets and global lifestyles. This solution combines advisory expertise with robust risk transfer to safeguard luxury homes, private collections, and business interests.
We designed this structured overview to help you quickly understand how Aon customizes coverage, the key options available, and the main factors that influence pricing and protection levels.
| Coverage Focus | Key Features | Typical Eligibility | Core Advantage |
|---|---|---|---|
| Primary Residence | Full replacement cost, worldwide coverage, high-value extensions | Homes valued above $1 million | Tailored rebuild and luxury finish protection |
| Secondary & Seasonal Homes | Vacation properties, international locations, rental income protection | Additional properties outside primary residence | Flexible policy territory and loss mitigation |
| Private Collections & Art | Jewelry, fine art, antiques, collectibles floaters | Valuable personal property above standard limits | Agreed value and worldwide coverage with expert appraisal |
| Liability & Umbrella | High limit excess coverage, global protection, defense costs | Net worth above policy thresholds | Broad protection against major claims and litigation |
Tailored Risk Assessment for High Net Worth Individuals
Aon begins with a detailed risk assessment that reviews your properties, assets, and lifestyle. This process identifies coverage gaps, valuation needs, and underlying exposures that standard policies may miss.
Custom Policy Structures and Coverage Options
Based on the assessment, Aon structures a program that aligns with your priorities, whether that is broad territorial protection, specialized collections coverage, or layered liability limits. You receive clear policy summaries that explain each endorsement and limit.
Claims Support and Global Service Excellence
When a loss occurs, Aon coordinates with a network of specialists, including adjusters, restoration experts, and legal partners. This approach helps reduce downtime, streamline repairs, and maintain continuity for high-value households.
Wealth Protection and Business Interests Integration
For clients with business interests or professional activities, Aon can integrate businessowners policies, professional liability, and property coverage into a cohesive plan. This integration helps manage exposure across personal and commercial operations under coordinated oversight.
Key Recommendations for Securing Your Assets
- Conduct a full valuation of high value items and structures annually.
- Review territorial requirements for secondary homes and frequent travel routes.
- Align liability limits with your net worth and business structure.
- Establish clear documentation and appraisal processes for collections.
- Confirm claim response procedures and vendor networks before a loss.
FAQ
Reader questions
How does Aon determine the appropriate coverage limits for my high value properties?
Aon uses detailed valuations, recent rebuild estimates, and market data to set property limits that reflect current replacement costs and unique features such as high end finishes, smart systems, and landscaping.
Can Aon high net worth insurance cover fine art and jewelry while I travel internationally?
Yes, policies include worldwide coverage for collections and scheduled personal property, with agreed values and flexible territory options to protect items during transit and while located abroad.
What happens if my secondary home generates rental income under the policy?
Loss of rent extensions and business income endorsements can help replace rental income during repairs, while maintaining the same level of property and liability protection for the dwelling. Aon assigns a claim leader who coordinates vendors, manages communications, and oversees repairs to ensure alignment with policy terms, quality standards, and your preferences.