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Fireman's Fund

Prestige® Home Premier
For historic, green, smart and custom homes
Specializing in custom homes, homes with historic features, unique design, rich architectural motifs, high quality materials, extensive landscaping, refinished basements and more.

Key Features
  • Full-Cost Replacement Coverage with cash settlement option
  • Replacement cost coverage for personal property and other structures
  • Deductibles up to $50,000 that may be waived on large losses
  • No Limit on Loss of Use and Rebuilding to Code coverages
  • In-home, personalized consultation for loss prevention
Options
  • Equipment Breakdown
  • Green Upgrade
  • Landscape
  • Surface Water/Flood with basement coverage
  • Kidnap and Ransom expense coverage
  • Business at home

Prestige Excess®
Supplemental liability protection to help maintain financial security
Coverage over and above primary auto, homeowners, watercraft or other policy for bodily injury, property damage, and legal defense costs.

Key Features
  • Private Counsel coverage to $25,000 included with an option to increase to $250,000
  • Crisis management to $25,000 included with an option to increase to $250,000
Options
  • Customized limits up to $100 million
  • Family trust liability up to $10 million
  • Nonprofit D&O to $10 million
  • Employment practices liability to $5 million (up to 10 employees)
  • Excess uninsured/underinsured motorist coverage

Prestige Auto® Premier
A customizable auto policy to fit a family’s unique needs
Coverage that protects an important investment in comfort and safety, from luxury vehicles, to the “daily driver” collector car, to a third or fourth “family” vehicle.

Key Features
  • ValueLock®, which locks in the value of a vehicle for each policy term (normally one year), with no deductible for a total loss
  • Full replacement cost paid for new cars in the event of a total loss
  • Reimbursement for comparable car rental up to $10,000, with no daily limit
  • Worldwide coverage for rented or borrowed cars
  • Choice of repair facility and use of original manufacturers’ parts
  • Payment to replace lost or stolen keys, to retrieve keys locked in the car, and to re-keying if car is stolen and recovered
Options
  • Payment for injury expenses incurred in an accident caused by drivers who aren’t insured or don’t carry enough insurance
  • Protection for a collector car that is a “daily driver,” with up to $1 million in optional liability limits
  • Coverage up to $25,000 for trailers designed to transport a vehicle

Prestige Collections®
Customized solutions for prized collections
Broad coverage, Prestige Collector Services and superior claims service to help protect fine art, jewelry, wine, antiques, and other valuables and collectibles.

Key Features
  • Payments of up to 150% of scheduled values, to account for escalating markets • Automatic coverage, up to 100% of itemized policy category limit, for 90 days for new purchases
  • Automatic coverage for scheduled items on loan to museums or exhibitions worldwide, with no reporting requirement
  • Death of an Artist coverage provides up to 200% of the scheduled value when an artist dies within 12 months prior to a loss
  • Coverage for Provenance Expense and Conservation
  • Ransom and Reward coverages
Options
  • Collector car endorsement for cars displayed and driven only for maintenance purposes
  • Blanket coverage with a generous $50,000 per item limit

Prestige Watercraft® and Prestige Yacht®
Vessel protection from custom-built yachts to mega and superyachts
Coverage that addresses everything from international waters to flexible ownership arrangements. Prestige Watercraft is for cabin cruisers, sailboats and owner-operated yachts valued under $500,000; Prestige Yacht is for yachts with captain and crew, valued over $500,000.

Key Features
  • Immediate coverage of newly-purchased vessels (includes a 30-day notification grace period)
  • Coverage for loss of onboard personal possessions
  • Protection and indemnity coverage applying to occasional charter of yacht
  • Liability and medical payments for owner/family, guests and crew
  • Coverage for precautionary measures to protect a vessel from an impending covered loss, such as storm damage
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