Luxury Car Insurance
Insuring luxury autos, exotic sports cars & collector autos
What is Luxury Car Insurance?
Luxury Car Insurance is a specialized policy designed to provide more comprehensive coverage for vehicles with higher values, advanced technology, and specialized features. These cars often come with expensive components, advanced safety systems, custom parts, and higher repair costs that standard auto insurance may not adequately cover. Luxury Car Insurance not only covers the car itself but also takes into account its performance, high-tech features, and unique design.
Why You Need Luxury Car Insurance
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Higher Value: Luxury cars, including brands like Ferrari, Lamborghini, Rolls-Royce, and Bentley, are typically worth much more than standard vehicles. As a result, repairing or replacing them in the event of an accident or theft can be significantly more expensive.
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Expensive Repairs: Luxury cars often require specialized parts and labor. For example, a luxury car’s engine, bodywork, or infotainment system might require repair at certified dealerships or by specialized mechanics, both of which can drive up repair costs. In many cases, luxury cars also use advanced materials that can be costly to replace.
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Custom Features: Luxury vehicles often include custom features like leather upholstery, special paint jobs, and unique interior designs. These features are expensive to replace, and you need insurance that covers them specifically.
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Enhanced Safety Features: Many luxury vehicles come equipped with cutting-edge safety technology, such as advanced collision avoidance systems, radar sensors, and other high-tech safety tools. Luxury auto insurance can ensure that these complex systems are covered.
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Higher Risk of Theft: Due to their high value, luxury vehicles are more likely to be targeted by thieves. Standard auto insurance may not offer sufficient protection against theft, while luxury auto insurance will provide better coverage for loss or theft.
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Specialized Coverage Options: Luxury car owners may want additional coverage options, such as protection for customized features, replacement costs, and guaranteed asset protection (GAP) insurance, which ensures that the car is covered in case of a total loss. Luxury insurance policies often offer flexibility in these areas.
Key Features of Luxury Car Insurance
Luxury auto insurance is distinct in several key areas. Here are the features that set it apart from regular auto insurance:
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Agreed Value Coverage: Unlike standard auto insurance, which typically uses the actual cash value (ACV) to calculate a car’s worth (including depreciation), luxury auto insurance usually offers an agreed value insurance policy. This means the insurance company and the policyholder agree on a set value for the vehicle at the outset, ensuring that in the event of a total loss, the owner gets that agreed amount without deductions for depreciation.
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Replacement Cost Coverage: If your luxury car is damaged beyond repair or stolen, luxury auto insurance policies often cover the cost of replacing it with a new vehicle of the same make and model, or a comparable one, without depreciation.
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High-Limit Liability Coverage: Luxury Autos often come with high-performance engines and a potential for causing more significant damage in the event of an accident. Luxury auto insurance provides higher liability coverage limits to protect against potential legal costs and third-party damages.
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Comprehensive and Collision Coverage: Like any standard car insurance policy, luxury auto insurance will include both comprehensive and collision coverage, but these are more tailored to cover expensive repair and replacement costs specific to luxury vehicles.
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Custom Parts and Equipment Coverage: For luxury cars that have customized parts, like unique wheels, upgraded interiors, or performance modifications, luxury auto insurance provides additional protection. Custom parts & Equipment coverage ensures customizations are fully covered in the event of an accident or damage with OEM (Original Equipment Manufacturer) parts.
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Roadside Assistance and Concierge Services: Many luxury auto insurance policies come with perks like 24/7 roadside assistance, concierge services for travel, and access to premium rental vehicles while your car is being repaired.
Luxury Home Insurance – Insuring High-Value Homes valued over $1 million dollars
The Private Client Group at Greene Insurance insures multi-million dollar luxury homes throughout the United Staes. If you own a luxury or high-value home, you can count on the Insurance Professionals at Greene Insurance Group.

Private Client Insurance Agent – Insuring our Affluent Clients throughout the United States
High-Value Home Insurance – Own a multi-million dollar high-value home? Very few insurance companies insure high-value luxury homes. The Private Client Group at Greene Insurance insures multi-million dollar luxury homes for our high-net worth clients throughout the United States.
Luxury Car Insurance – The Private Client Group at Greene Insurance insure Luxury Automobiles, Exotic Sports Cars and Rare Collector Automobiles.
Personal Umbrella Insurance – As a High-Net Worth Individual, Family or Estate, an Personal Umbrella Insurance policy is essential to protecting your assets. The Private Client Group at Greene Insurance offers excess liability insurance, also known as personal umbrella insurance from one-million dollars to over fifty-million dollars.
Scheduled Personal Property – Insure jewelry, fine arts, collectibles, and other valuables on a scheduled personal articles policy.
Yacht or Watercraft Insurance – We can insure yachts and watercraft.
Aviation Insurance – Do you own an aircraft? Our Private Client Group can insure your single engine airplane, twin engine airplane or jet aircraft.
Additional Private Client Insurance Products:
Other Insurance Products:
Personal Umbrella Insurance – Individuals, Families and Estates with high-net worth should strongly consider personal umbrella insurance. Protect your assets with Excess or Umbrella liability insurance limits of up to $100 million dollars.
Recreational Vehicle Insurance (RV) – Class A Motorhomes, Watercraft or Yachts, Motorcycles, ATV’s and more.
Watercraft Insurance – We know marine insurance and if you own a ski boat or yacht, we insure it.
Scheduled Personal Property – If you own jewelry, fine art or rare high-value collectibles, we’ll schedule and insure those items on your insurance policy.
Aviation – We insure private aircraft
What is a Private Client Insurance Agency?
Private Client Insurance is specially designed for affluent individuals, families or estates with a high-net worth, whose insurance requirements exceed the coverage offered by standard insurance policies. The Private Client Insurance Advisors at Greene Insurance Group offer specialized resources and tailored coverage options to address unique circumstances and meet the client and their needs.
We recognize the unique needs of our affluent clients and are committed to customizing insurance coverage that aligns with your requirements and expectations.
The Private Client Group at Greene Insurance Group
Since 1962, our family has been protecting families and businesses through personal insurance and business insurance products.
As a Private Client Insurance Agent, the insurance professionals at Greene Insurance Group works with our affluent high-net-worth individuals, families or estates to provide personalized insurance solutions. Our Insurance Advisors focus on creating customized insurance plans that meet the unique needs of their clients, often offering comprehensive coverage that goes beyond standard policies.
Some key aspects of our Private Client Group role include:
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Tailored Coverage: They assess their clients’ specific needs—such as valuable assets, real estate, luxury items (art, jewelry, cars, etc.)—and create special private-client insurance packages to protect these high-value possessions.
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Risk Management: Our Private Client Insurance Agents help our clients understand potential risks they may face, from property damage to liability issues, and advise them on the best ways to mitigate those risks.
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Personalized Service: As a Private Client Insurance Agent, our team offers a higher level of service, providing continuous support and frequent policy reviews to ensure coverage evolves with the client’s lifestyle changes, such as moving to a new property or acquiring new assets.
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Exclusive Insurance Products: As a Private Client Insurance Agency, Greene Insurance Group has access to specialized insurance products not typically available to the general public, like coverage for rare art collections or luxury cars, and kidnap and ransom protection which require unique underwriting processes.
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High-Level Expertise: The Private Client Group at Greene Insurance Group have the experience and a better understanding of the complex needs of affluent clients and are equipped to handle more intricate insurance scenarios.
- We respect your privacy: We insure high-net worth and celebrity clients. You can be assured we work to protect your privacy and information.
In summary, The Private Client Insurance Group at Greene Insurance acts as a trusted advisor, providing peace of mind to high-net-worth individuals by helping them safeguard their assets with tailored insurance solutions.
We provide best in class service to our clients
At Greene Insurance, We promise personalized and professional service. Our Team work in a professional office setting, not remotely or from a call center center abroad. We answer our phones and return your calls and emails. The Private Client Insurance Group at Greene Insurance is here to serve you!