Insuring you, your family,
and your property.

High Value Homeowners Insurance - Manhattan & Westchester County, NY, Fairfield County, CT & New Jersey

A.J. Benet has been insuring some of the most beautiful, high-value luxury homes in our neighborhoods for nearly 50 years. From Manhattan brownstones and penthouses to sprawling estates in Westchester County in New York, Fairfield County in Connecticut, and New Jersey, clients have relied on our insurance expertise and access to top-tier companies to provide them with a comprehensive insurance and risk management program for High Value Homeowners insurance.

Our staff is an integral part of this area, working and raising our families here, allowing us to bring a unique understanding of the specific needs our high net worth clients have. This includes protecting you against financially ruinous liability lawsuits, properly safeguarding your home, its furnishings and all structures (garages, guesthouses) against loss, and ensuring that valuables such as jewelry, fine art, and other valuable collections (wine, antiques, precious rugs, rare books) are appraised and insured with special riders or policies.

When insuring your home, our staff will meet with you to review your current insurance program. Often we find that the program in place either has duplicate or too much coverage, or not enough because of gaps in coverage or amounts that don’t truly represent the value of the home or its contents or liability limits that don’t fully address the exposure to a client’s financial assets.

At A.J. Benet, we conduct a thorough fact-finding and perform a replacement cost analysis of the dwelling, all structures, and the contents in your home to determine the amounts of coverage you should carry. This is essential as the standard industry tools used to estimate the cost of rebuilding a home may not adequately value the higher quality materials, superior craftsmanship and unique architectural features in luxury, custom-built or historic homes. We’ll also conduct an inspection of your home, and based on our knowledge of the regulations set by the National Fire Protection Association (NFPA), make recommendations to reduce and stem fire hazards.

What’s more, we’ll review exposures that increase your liability, such as swimming pools and tennis courts, so that if someone is injured on your property your liability limits are in line with the risk to your financial wellbeing. We’ll augment what is available under your homeowners policy with enhanced personal liability insurance through a high-limit umbrella policy, to protect you against the potential of a multi-million-dollar suit.

During our analysis, we’ll also evaluate your exposure for excess flood insurance, incidental business coverage, identity theft, and rebuilding to “green standards,” to secure the coverages you require. If you have domestic employees, we’ll review the need for employment practices liability insurance (EPLI) and workers compensation.

You will receive a detailed presentation from us based upon your input and our evaluation, with a side-by-side comparison of the insurance programs we feel best address your specific risks and properly protect you. We will also discuss with you the benefit of having one master policy, which includes avoiding being over- and underinsured, receiving discounts, and having the convenience of common policy term dates and one invoice.

And in the event of a loss, you can be assured that a team of adjusters is available to you 24/7, along with a loss mitigation team that will be at your home to help you prevent further loss from taking place. Our insurers’ claims specialists will help you select skilled craftsmen to perform any restoration or repair work and experienced counsel are available to help resolve personal liability claims.


Customized insurance treatment and concierge service for your home.

Our relationship-driven philosophy means we work with each client individually. We listen to your needs and preferences, and give you options that respond to those. We invite you to give us a call at your convenience at (888) 639-4560, or if you prefer email us or return the form on this page, and we’ll call you to set up an appointment to review your insurance program in detail.

Since 1964, A.J. Benet has been serving residents in New York City, Pelham Manor, Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Rye, Port Chester, Rye Brook, South Salem, Purchase, White Plains, Scarsdale, Eastchester, Bronxville, Armonk, Chappaqua, Briarcliff, Pound Ridge, Bedford, Mt. Kisco, and Katonah, New York; as well as in the Connecticut communities of Greenwich, Cos Cob, Riverside, Stamford, Darien, Rowayton, Fairfield, Westport, Southport, and New Canaan.