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High-net-worth insurers
- National carriers 13
- Regional carriers 36
- AAA auto clubs 3
- Farm Bureau insurers 11
- Affinity and military insurers 3
- High-net-worth insurers 5
- Florida and coastal specialists 25
- Digital and insurtech insurers 8
- Manufactured home and specialty dwelling insurers 4
- State-backed insurers of last resort 5
- Program carriers and fronting insurers 7
| # | Insurer | Type | Market share (2025) | AM Best |
|---|---|---|---|---|
| 8 | ChubbThe largest U.S. insurer of high-value homes, sold through independent agents and brokers; ranked 8th among U.S. home insurers by 2025 premiums. | High-net-worth insurers | 2.49% | A++ (Superior) |
| 14 | PURE InsuranceMember-owned reciprocal insurer for high-value homes, founded in 2006 and managed by a Tokio Marine subsidiary; sold only through independent brokers. | High-net-worth insurers | 1.03% | A (Excellent) |
| 34 | Private Client Select (AIG)The high-net-worth home insurance business AIG spun into an independent agency with Stone Point Capital in 2023; policies are still issued by AIG companies. | High-net-worth insurers | 0.50% | A (Excellent) |
| 58 | Berkley OneW. R. Berkley's personal lines unit for affluent households, selling home, auto, valuables and excess liability through independent agents in 30 states and D.C. | High-net-worth insurers | 0.21% | A+ (Superior) |
| 79 | Vault InsuranceFlorida high-net-worth insurer founded in 2017 that covers homes worth $2 million or more through agents, via a reciprocal exchange and a surplus lines company. | High-net-worth insurers | 0.13% | A- (Excellent) |
Ranked by 2025 U.S. homeowners multiple peril direct premiums written (states and U.S. territories), from the NAIC 2025 Market Share Reports for Property/Casualty Groups and Companies. NAIC groups combine affiliated companies, so a group may sell under several brand names. Brands listed without a rank are part of a larger group or outside the top 100.