We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

What Rich People Secretly Know About Insurance That You Don’t!

Wealthy families seem fearless when markets dip, storms hit, or lawsuits loom. It is not magic—it is strategy. Most affluent households treat insurance as a financial tool, not just a bill. Below are five “quiet rules” they follow that anyone can copy.

1. Coverage Limits Beat Price Tags

High‑net‑worth clients do not stop at state minimums. They calculate what a worst‑case event could cost tomorrow, then choose limits that cover that number, plus a buffer. You can adopt a similar mindset: list your assets (home equity, savings, future income) and purchase liability protection that shields the total amount.

2. Umbrella Policies Are Must‑Haves

An umbrella policy adds a bonus layer of liability protection on top of auto, home, or renters insurance. Rich clients view it as a safety net that keeps lawyers from touching personal wealth after a major claim. Premiums often run less than dinner out each month, yet can add $1 million or more in protection.

3. Gaps Hide in Plain Sight

Affluent policyholders ask detailed “what if” questions: Does my homeowner’s plan include sewer backup? Is my jewelry covered when I travel? By spotting gaps early, they avoid costly surprises later. Once a year, walk through your own “what if” list with an agent, then plug any holes.

4. Risk Prevention Pays for Itself

Wealthy homeowners install water‑leak sensors, backup generators, and smart security before a claim occurs. Insurers often reward such steps with lower premiums and fewer headaches. Even simple fixes, like adding smoke detectors in older homes or a dash cam in your car, can trim rates and increase peace of mind.

5. Professional Advice Is Not a Luxury

Affluent families lean on specialized agents and financial planners who stay ahead of changing laws and coverage trends. You can, too. A good adviser will tailor policies to your life goals.

Insurance is more than protection; it is a wealth‑guarding strategy available to everyone. By boosting limits, layering umbrella coverage, closing gaps, preventing risks and seeking advice, you borrow the same playbook rich people quietly rely on—one smart step at a time.

The Hidden Costs of Not Having Professional Liability Coverage!

“I do great work. I don’t need that.” Many good pros think this way, until a client says the work caused a loss. Even if you did nothing wrong, you still have to answer the claim. Here are the costs that show up when you don’t carry professional liability. 1. Time You Can’t Get Back […]

Read More

What Rich Business Owners Secretly Do With Their Insurance!

The wealthy do not buy more insurance for fun. They buy it to protect time, cash flow, and control. Here are the quiet moves many top owners make and how you can use them, too. 1. Map The Big Risks Once A Year They sit down and list the losses that could hurt the most: […]

Read More

The Real Difference Between State Minimum and Full Coverage!

“Just make me legal.” That’s what many drivers say when shopping for car insurance. The state minimum will do that. But being legal and being protected are two very different things. Here’s a clear way to see the gap and decide what fits your life. What Does the State Minimum Really Do? State minimum is […]

Read More
© 2025 Sarvey Insurance Designed by Amplispot
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram Skip to content