Moon Insurance Managers, Inc. · TDI license #5595
High Net Worth Coverage in Houston, TX
Some households outgrow standard policy limits long before they outgrow a standard agency. In the insurance market, “high net worth coverage” usually means a private-client program: specialist carriers writing multi-million-dollar homes, fine art at collection scale, and portfolio-style service to match.
We’ll be straight with you: that segment is its own market, and it isn’t ours. What we do, and have done since 1985, is make sure a Houston household with more to protect actually has it protected, piece by piece.
What we actually place
When there is more to protect
- Liability above your limits
- One judgment should not reach your savings. A personal umbrella policy stacks extra liability coverage over your auto and home policies — including stand-alone options for when your own carrier will not write one.
- The things a policy caps
- Rings, firearms, instruments, collections — a homeowners policy pays those by category, and the caps are lower than people expect. Scheduling valuable items puts real values on them.
- More than one property
- A second house, an inherited place, a rental — each needs the form written for how it is occupied, not a copy of the policy on the house you live in. Rental property insurance covers the landlord case.
- The boat
- Texas water is its own picture, and boat & marine insurance is where we handle it.
- The people
- Assets protect a family; so does life insurance, and it belongs in the same conversation rather than a later one.
The part nobody puts on a website
When the answer is a specialist
If your situation genuinely calls for a private-client program — a high-value home, art that belongs in a catalog — we will tell you so, plainly, because the right coverage matters more to us than keeping the account.
That is a short conversation and it is better had now than at a claim. Ask us directly and you will get a direct answer either way: what we would place, and what we would not.
No obligation
One conversation sorts it out
Bring the whole picture — house, cars, valuables, the other property, whatever is worrying you — and we will say what needs which policy, and where each one would go. Call (281) 484-8320. There is a longer quote request form if your declarations pages are to hand, and our Houston office is on FM 1959 if you would rather come by.
Monday to Thursday, 9:00 to 5:00; Friday, 9:00 to 4:00. 360 FM 1959, Houston, TX77034.