Luxury Car Insurance

Insuring luxury cars, exotic sports cars & collector cars

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What is Luxury Car Insurance?

Luxury Car Insurance is a specialized auto insurance 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:

• Higher Value: Luxury cars, including brands like Ferrari, Lamborghini, Rolls-Royce, and Bentley, are 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.
• 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.
• 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.
• 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.
• 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.
• 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 Car insurance is distinct in several key areas. Here are the features that set it apart from regular auto insurance:

• Agreed Value Coverage: Unlike standard auto insurance, which typically uses the actual cash value (ACV) to calculate a car’s worth (including depreciation), luxury car 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.
• Replacement Cost Coverage: If your luxury car is damaged beyond repair or stolen, luxury car 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.
• High-Limit Liability Coverage: Luxury cars often come with high-performance engines and a potential for causing more significant damage in the event of an accident. Luxury car insurance provides higher liability coverage limits to protect against potential legal costs and third-party damages.
• Comprehensive and Collision Coverage: Like any standard car insurance policy, luxury car insurance will include both comprehensive and collision coverage, but these are more tailored to cover expensive repair and replacement costs specific to luxury vehicles.
• Custom Parts and Equipment Coverage: For luxury cars that have customized parts, like unique wheels, upgraded interiors, or performance modifications, luxury car 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.
• Roadside Assistance and Concierge Services: Many luxury car 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.

High-Value Luxury Home Insurance

Own a multi-million dollar home?  Very few insurance companies insure high-value luxury homes valued over $2 million dollars.

The Private Client Group at Greene Insurance insures multi-million dollar luxury homes for our affluent and high-net worth clients throughout the United States.

Private Client Insurance Products:

• Auto Insurance – Insuring vehicles of all types including: Passenger Vehicles, SUV’s, Luxury Autos, Exotic Sports Cars, Rare and Collector Autos & more.
• Personal Umbrella Insurance – If you’re sued, you’ll want a personal umbrella insurance policy to protect your assets and provide legal defense.
• Recreational Vehicle Insurance (RV) – Class A Motorhomes, Motorcycles, ATV’s & more.
• Watercraft Insurance – We know marine insurance and if you own a yacht or watercraft, we can insure it.
• Scheduled Personal Property – If you own jewelry, fine arts, paintings, or rare collectibles, We can schedule them or add a blanket level of protection to insure those items on your insurance.
• High-Value Home Insurance – Own a multi-million dollar high-value luxury home?  Very few insurance companies insure luxury homes over $3 million dollars. Luxury Home Insurance is available for homes with guaranteed replacement cost for $75 million or more.
• Aviation Insurance – Own an aircraft?  Our Private Client Group can insure your single engine airplane, twin engine aircraft or jet aircraft.

Client Reviews & Testimonials

What is a Private Client Insurance Agency?

The Private Client Team at Greene Insurance specializes in working with high-net worth and affluent individuals, families and estates, whose insurance requirements exceed the standard coverage offered by most insurance companies and their policies.  The Private Client Team at Greene Insurance Group offers specialized insurance resources and tailored coverage options to address unique circumstances and meet our clients and their needs.

What makes Private Client Insurance different?

The Private Client Insurance Group at Greene Insurance specializes insuring multi-million dollar luxury homes, automobiles, collector autos, classic vehicles, exotic sports cars and more from top-rated insurance companies.  Our Private Client team insure our high-net worth and affluent clients.

With our private client insurance group, you can expect:

• An experienced and dedicated team with extensive experience in addressing the diverse insurance needs and expectations of our Private Clients.
• Thorough assessment of potential risks, along with customized insurance solutions to maximize coverage
• Complete confidentiality throughout the entire process.
• Our Private Client Insurance Advisors work from professional office settings, not remotely or from a call center abroad.

As a Private Client Insurance Agency, the insurance professionals at Greene Insurance works with affluent high-net worth individuals, families or estates to provide personalized insurance solutions.   The Trusted Insurance Advisors in the Private Client Team at Greene Insurance Group focus on creating customized insurance plans that meet the unique needs of our affluent auto and home insurance clients, often offering comprehensive coverage that goes beyond most standard insurance policies.

Why Select Greene Insurance Group?

We provide best in class service to our clients.  As a locally-owned Insurance Agency, we provide personalized service you won’t find with big call centers abroad or online-only providers. We all know how difficult and frustrating it can be to when your unable to reach a live person or transferred around from department to department when calling large companies.  Many companies are now forcing their clients to utilize chat bots or leave voicemails leaving people frustrated with no answers, no point of contact and no local insurance agency office to visit.

Once you select Greene Insurance as your Independent Insurance Agent, we’ll be your local Insurance Agent and our team will be here to assist with any questions, policy updates or claims related to your insurance.

At Greene Insurance Group, we answer our phones and our team work in professional offices with secure protocols to protect our clients personal and business information.  At Greene Insurance Group, it’s our promise to always deliver world class service to our clients