Chubb-forward coverage for the home, the collection, and the life you've worked to build.
Estates, high-value homes, and successful Texas families deserve more than a one-size captive quote. We lead with Chubb and shop the private-client markets alongside it — so a total loss, a stolen watch, or a lawsuit never becomes your problem to solve alone.
A $2M home is not a big version of a $300K home.
Standard carriers cap out, settle at depreciated value, and treat a wine cellar or a horse barn like a garden shed. Chubb and the private-client markets are written to rebuild what you actually own — and to protect the wealth behind it.
Chubb — our lead market
Chubb is our first call for private-client households: broad, flexible policy language, agreed-value settlement on valuables, and claims service built for a total loss, not just a fender-bender.
Extended / guaranteed replacement
Rebuild to today's cost after a total loss — even beyond the policy limit. No penny-on-the-dollar depreciation on your home.
Valuables & collections
Jewelry, art, wine, firearms, and watches scheduled at agreed value — covered worldwide, often with no deductible.
Excess liability (umbrella)
$1M–$10M+ of personal liability over your home, autos, and watercraft. One lawsuit shouldn't reach your investments.
High-value & collector autos
Exotics, classics, and multi-vehicle garages rated properly — agreed value, original-parts repair, trip interruption.
Estates, land & outbuildings
Acreage, barns, guest houses, and hobby farms on exurban Texas property — risks captives outside the metro won't touch.
You get one advisor — who answers.
- Chubb-forward — our first call for high-value homes, then we compare it against the other private-client markets.
- One point of contact for the whole household — home, autos, valuables, umbrella, and property.
- A review that finds gaps — underinsured dwellings, unscheduled jewelry, thin liability limits.
- Discretion — your details stay between you and your advisor.
Dawna Guerin is a Senior Insurance Producer with TAP Insurance Agency, helping individuals, families, and businesses find the right coverage for their home, auto, and high-value property needs. With a background in business development, marketing, and client relations, she understands the importance of building strong relationships and providing personalized service. Dawna believes insurance is about more than policies — it's about protecting the people, families, and legacies that matter most, and she stays your advisor through every renewal and claim.
Simple, no pressure.
Private review
A relaxed conversation about your home, property, vehicles, and what matters most.
We lead with Chubb
Then compare it against other private-client carriers — coverage first, always.
Tailored proposal
The right limits, scheduled valuables, and umbrella — no jargon, no pressure.
Ongoing advocacy
Annual reviews, appraisal updates, and a real advocate the day you file.
Straight answers.
Why do you lead with Chubb?
Chubb's private-client policy language is some of the broadest available — agreed-value settlement on scheduled valuables, cash-out claim settlement options, and extended/guaranteed replacement on the home. It's our first call for a high-value household, and then we compare it against the other private-client markets to confirm it's still the best fit for your specific property.
What counts as a "high-value" home?
There's no hard line, but private-client coverage typically makes sense once a home's rebuild cost is around $750K–$1M or higher, or when you own scheduled valuables, multiple vehicles, or acreage, or want liability limits above what a standard carrier offers.
Do I have to leave my current carrier?
Not necessarily. We start with a no-obligation review. If your current coverage is right, we'll tell you. If there are gaps — an underinsured dwelling, unscheduled jewelry, thin liability — we'll show you the options and let you decide.
Can you handle homes and property outside the metro?
Yes — it's a strength. Many captive agents won't write acreage, barns, guest houses, or hobby farms in rural and exurban Texas. As an independent agency we place those risks with carriers built for them.
What about my autos and an umbrella?
We build the household as one program — high-value and collector autos, then a personal umbrella of $1M–$10M+ layered over your home, autos, and watercraft so a single lawsuit can't reach your savings.
Let's protect it properly.
A discreet, no-obligation review of your home, property, and liability — with a Chubb-forward advisor who answers the phone.