Protecting What Matters Most
Our Services
Personal Insurance
Tailored Protection for Your Lifestyle and Assets
High-net-worth individuals often pay more—yet remain underinsured. At J.W. Allen, we provide personalized insurance solutions to ensure your coverage reflects your unique lifestyle and risks. Our expert advisors conduct regular reviews to uncover saving opportunities and optimize your protection—so you can preserve what matters most with confidence and clarity.
Coverage Areas Include:
Homeowners • Condos & Co-ops • Valuable Articles/Collectibles, including Fine Art and Jewelry • Autos & Classic Cars • Yachts & Watercraft • Excess Liability • Umbrella Liability
Is Your Personal Coverage Keeping Up With Your Life?
If your home were damaged, would your policy cover the full rebuild—including original materials and updated building codes?
Are you protected during renovations, or could gaps in coverage leave you exposed?
Does your apartment building’s insurance really cover what’s inside your unit—custom finishes, fixtures, and upgrades?
If a valuable artwork is damaged and restored, will your policy cover the loss of market value?
Is your jewelry covered while being repaired, or your art while on loan or consignment?
Will your auto policy guarantee original manufacturer parts for high-end or classic cars?
Personal Risk Advisory
Strategic Protection Beyond Insurance
Your lifestyle deserves more than off-the-shelf coverage. At J.W. Allen, we go beyond traditional insurance with a personalized risk advisory approach—identifying, evaluating, and minimizing exposures before they become costly problems. Through tailored risk assessments and proactive planning, we help you preserve your assets, lifestyle, and legacy with confidence.
Advisory Services May Include:
- Comprehensive risk assessments
- Customized personal risk management plans
- Home safety & security evaluations
- Fine art packing and installation
- On-site reconstruction appraisal of your home
- Fine art, jewelry, and collectibles inventory management
- Hurricane response
- Wildfire protection
- Contractor and vendor insurance review and background checks
- Domestic staff management
- Travel risk services & medical evacuation planning
Are You Proactively Managing Risk?
When was the last time you had a full assessment of your lifestyle and property-related risks?
Do you have a plan in place for emergencies like wildfires, hurricanes, or water damage?
Are your smart home systems and personal data protected from cyber threats?
Have you documented and appraised your art, jewelry, and collectibles for insurance purposes?
Are your domestic staff properly vetted and covered under your current policies?
If a major loss occurred tomorrow, would you know who to call—and would your policy respond the way you need it to?
Why Choose an Independent Broker?
We Work For You
We represent your best interests–not those of a single insurer.
Access to Top Insurers
We compare coverage from a wide range of leading "Class A" carriers.
Tailored Coverage & Cost
We customize policies to fit your unique lifestyle and risk profile, not one-size-fits-all products.
Claims Advocacy
When the unexpected happens, we act as your dedicated advocate–not a middleman for the insurer.
Why a "Class A" Insurer?
Not all insurers are created equal. We carefully select “Class A” carriers known for broad coverage, fair claims handling, and exceptional service—so when a loss occurs, our clients get support, not setbacks.
