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Exclusive Services for
Luxury Realtors

A Rated Insurance Carriers

PRMS only works with AM Best “A” rated carriers. 

Mortgagee Requirements

We work directly with mortgage companies to secure and provide the required documentation for loan and mortgagee closing.

LLCs & Trusts

We can help you secure policies for your clients in the names of LLCS and Trusts.

Extended Replacement Cost

Our luxury insurance carriers offer extended replacement cost and guaranteed replacement cost. With these coverage features, after a covered loss the insurance carrier will pay to have the home repaired or rebuilt to its original condition-even if the cost exceeds the policy limit in many states.

All Peril Coverage

PRMS can write policies covering all perils as required by a mortgagee, including Wind, Earthquake, and Flood.

Other Specialty Services

Our luxury carriers offer an wide range of specialty services including coverage for custom built homes, home inspection and appraisal services, wild fire defense and property management assistance during a hurricane.  We can also provide pre-screened resources to your clients: alarm companies, fine arts and jewelry appraisers, private security firms, home inventory managers, project managers, concierge services, etc.

Luxury Homes require luxury insurance coverage. Our carriers provide the custom and unique coverages and specialize in insuring luxury homes. These luxury coverages provided by high net worth carriers are typically not available through the general insurance market.

We understand how important it is to earn and maintain your clients’ trust. Our goal is to strengthen your bond with your client by exceeding expectations. We will make the insurance process easy, quick, and reliable for you and your clients.
Image by Drew Beamer

Thank you again on your thoroughness and professionalism. The detail you go to for clients is unmatched based on the insurance professionals I have worked with in the past.  Look forward to bringing you more clients shortly. - Trusted Advisor

Our Services for Luxury Realtors

  • Complimentary personal risk analysis

  • Unique solutions tailored to individual needs

  • Ongoing negotiation with insurance companies regarding pricing, requirements and claims

  • Research, evaluation and recommendations for properly insuring valuables and collections

  • Assistance with and coordination of fine arts movement: shipping, storing, loaning, etc.

  • Location visits for properties

  • Claims advocacy, negotiation, management, and coordination

  • Active co-management of the insurance related aspects of construction and renovation projects

  • Annual account review and analysis

  • Communication and coordination with other team members: family offices, wealth advisors, trust and estate attorneys, accountants, mortgage brokers and contractors

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