High Net Worth and Ultra High Net worth Families & Individuals

Specializing in insuring the personal and commercial assets of successful families & individuals across the world. 

Our Services

services-bg-logo
homeowner

Homeowners
Insurance

hurricane-ins

Hurricane
Insurance

short-term

Short-Term Rentals
Insurance

flood

Flood
Insurance

high-value

High-Value
Insurance

business

Business
Insurance

About Us

services-bg-logo

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.

 

Subtle Sublimits

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.

 

Construction counts!

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.

Roof

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.

Liability

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.

Property savings calculator

services-bg-logo

Interested in the average savings we’ve provided for our clients in your area?

Enter your zip code below to find out.

Interested in learning more?

services-bg-logo

Book a time for us to give you a call!

Rather just get right to it?​

services-bg-logo

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

Lux-STR Insurance Portal : Encrypted Upload

Upload your Declaration Pages, Invoices, Quotes, or other insurance-related documents here.