Personal insurance should be just that—personalized. That’s the advantage of using a broker like Higginbotham over insuring directly with a carrier. We have access to multiple insurance carriers for your home, auto and liability coverage so you’re not limited to one program that may or may not fit your lifestyle. With our guidance, you’ll be paired with the carrier or carriers that offer the best protections for your personal risk factors, tolerance and budget. It’s the peace of mind that comes from knowing that you have a trusty advisor on your side.
More than just your home and vehicle are at risk. Everyday activities like entertaining guests in your home, walking your dog and playing team sports can make you vulnerable to accidents. We help identify your exposures and reduce your liability from:
- Lawsuits (prominence and wealth can make you a target)
- Personal staff (housekeepers, nannies, chauffeurs)
- Teenage drivers
- Threats to personal safety and security
- Personal exposures to business pursuits (farms, vineyards, family offices)
Higginbotham also takes the guesswork out of the claims process. When you’re in a car accident, have a flood from a water heater leak, are burglarized or experience any other loss, we’ll help determine if you’re insured for the loss and the impact it will have on your rates if it’s reported. We also file the claim with your carrier on your behalf and follow through for a prompt and fair resolution.