Alerio Insurance Group is a specialty property and casualty agency that specializes in tailoring policies for clients that own substantial personal property and investment assets. We are experts in dealing with high-value items and high-risk properties. We know you are different, so our agents save you money by designing a policy just for you. We have relationships with the most specialized carriers that cater to your most special needs.
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Experience counts when it comes to insuring your high-value home. Protecting your property is not just about the coverage limits. A good high-value property insurance package includes not only your home, but also your other valuables and collectibles like jewelry, art and fine furnishings. At Alerio, we’ll help you design a customized policy to protect your home and all those cherished items you have worked so hard to acquire. You’ll be surprised by what we can do.
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If you have a sports car, luxury car or even a classic or exotic, you know that insuring your toys can be tricky. The high cost and performance of of these vehicles can be linked to higher incidents of theft, crash rates and repair costs, therefore, increasing the cost of insuring them. But fear not; we offer the best insurance carriers at the best price. Our agents specialize in dealing with clients like you. You’re in the right place, give us a call now!
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Managing income properties is not an easy task. It requires an aggressive yet creative approach for dealing with difficult situations. And when it comes to insurance, we know what it takes to protect your investment. We use a comprehensive approach to property insurance. One that takes into consideration not only the property at hand, but the owner’s personal risk profile as well.
Tailored Solutions That Save You Money
HOME OWNERS
Your home may very well be your most valuable asset. After working with ultra-high net worth clients for decades, we know high value home insurance like no one else. Standard homeowners policies are insufficient to cover risks that are specific to you. That is why you need a policy tailored to you alone. One, for example, that lets you choose to rebuild your home with the distinctive touches and construction features that you like.
You also want higher coverage limits and broader protection for all your valuables inside your home. You might have priceless collectibles and want to protect them, but typical policies are not enough. This is because most coverage is based on actual cash value rather than its current market value. Losses are also typically limited to a percentage of your total home’s value and they may not even be covered if caused by floods, hurricanes or earthquakes. We represent specialized insurance carriers that know and understand collectibles such as sports memorabilia, guns and knives, fine art, comics, stamps and more. We will help you appraise those items that you have spent a lifetime collecting and make sure that they are well protected. We can even add coverage for risks such as libel and slander which have become more prevalent in today’s day and age.
We use a simplified, but efficient approach to cover your home and all your high value assets by using technology and saving you time. We will design a policy just for you and we do it fast, too. We are here to help you, by phone or in person, whenever you want. Call us today!
PERSONAL AUTO
Auto insurance is a complicated matter. Many people have an insurance policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance. At Alerio, you’ll have a dedicated team to help you design your policy according to what you own. Most of our our clients have several automobiles; from luxury to antiques, classics, exotics and even hot rods. No matter how many cars you own, we offer specialized auto insurance that you won’t find anywhere else. Our specialty insurers pay you the full agreed value of your vehicle instead of the actual value that others pay. You can customize your annual mileage plan, so you only pay for what you use. And we can even facilitate $0 deductible plans that will save you significant money when you need it the most. We will design a personalized policy that is as unique as your collection of beautiful cars. Let us give you the peace of mind knowing that your precious possession is protected from any unseen casualty ensuring that you can enjoy the masterpiece that you have worked so hard to acquire.
MULTIFAMILY
If you own a building, you should have property insurance. And, if you’re like most of our clients, that own residential buildings with several families, you specifically need a commercial multifamily property insurance policy.
Commercial multifamily owners are exposed to risks not typical with their other properties. Hazards such as stairways, elevators and pools as well as irresponsible tenants make adequate insurance coverage a must. A good general liability policy protects you against claims from tenants for bodily injury and third-party property damage. It can even cover their medical expenses, legal fees and lost wages. For protection against the physical structure of the property, however, you will need a different policy that covers wind, hail and even mold or other air pollutants.
Many clients go above and beyond the typical coverage and protect themselves against all potential income interruptions. When your property suffers damage and needs to be repaired, you cannot collect rent during repairs so policies can cover the business income lost or even the actual loss sustained, which includes the expenses that you incurred out of pocket to bring the property up to the original condition. You can even get an umbrella policy that provides additional coverage over the stated business owner limits. This is important to make sure that there are no gaps in your general liability limit. At Alerio, we will work with you to develop a tailored business policy insurance plan that protects you, your tenants and your property. Trust us, this is our specialty!
