Specializing in insuring the personal and commercial assets of successful families & individuals across the world.
Lux-STR Insurance is licensed in all 50 states. Our approach uses underwriting and actuarial guidelines in order to ensure that your insurance program is optimized for the best coverage and best pricing. We have an in-house claims and servicing department in order to provide concierge-level service, while we leverage our software to make sure we optimize your coverage and pricing.
After Hurricane Sandy in 2012, many carriers found themselves paying out more in tree removal claims than anticipated, thus, a sublimit was born. A tiny clause in an exhaustive contract. We're here to help guide you through complex coverage structures unique to your home. Whether they are in your favor, or against it.
Masonry constructed homes often perform better in many areas of the country, especially hurricane prone areas. Often, agents or consumers may mistakenly rate this as Veneer, Brick, or even Frame, costing you double digit savings.
Insurance carriers will rate your home premium with your roof in consideration. This algorithm is especially punitive in areas where hurricane or hail may be rampant. Not only do we help mitigate your costs, our systems are integrated with third party sites that allow us to pull your home characteristics, helping reduce friction in the quoting process.
We live in a litigious society, but the cause of lawsuits may vary by area, home characteristics ,or other factors. Let us guide you through selecting liability limits with data.
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Upload your current insurance program (a Declarations Page, or the document that shows your current carrier, coverage limits, and premiums) We are usually able to send out initial quotes with 12 hours
By submitting to the portal on the left, you will receive a Complimentary Analysis Report which will We are usually able to send out initial quotes with 12 hours
Upload your Declaration Pages, Invoices, Quotes, or other insurance-related documents here.
“ [Lux-STR] saved me so much time and money walking me through step by step details of all the benefits and discounts I was entitled to… “
“the odd thing about it [resolving the flood claim] is that she [Grace] called me a few days later to make sure everything was ok…”
“ they saved me money on my home, auto, and boat insurance“
In the news!
Suadeo, Tueor, et Restituo
To Advise, Protect, and Restore
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