Luxury home insurance

Luxury and waterfront home insurance

Luxury and waterfront home insurance

Looking for the best insurance for the best price?

Looking for the best insurance for the best price?

Exterior of a luxury waterfront home

Homeowners Insurance

Your homeowners policy is specialized as your beautiful home has custom and unique features. We will provide you with a policy that is flexible and tailored to your unique and specific needs.

beach house on the ocean

Waterfront Homeowners Insurance

High Value waterfront homes are often more subject to damage from wind, water and wear and tear. We partner with insurance companies that specialize in insuring waterfront homes that give you guaranteed replacement cost coverage and tailor your coverage to your specific needs.

Couple driving in a convertible sports car in the summer

Automobile Insurance

Many of our clients have a variety of motor vehicles. Our policies cover the vehicles you use daily, antique vehicles, exotic vehicles, motorcycles, golf carts and more. All of these vehicles can be covered on one single policy.

Image of umbrellas - a metaphor for umbrella insurance

Personal Excess Liability (umbrella) Coverage

You have a unique lifestyle and significant valuable assets. You may also have domestic staff and more. You are exposed to many liability risks. Our umbrella covers you worldwide from liabilities that threaten your assets and future earnings. Your defense cost are covered as well.

luxury ring

Jewelry, Art, Valuables & Collections Insurance

Our valuables and collections policies cover your jewelry, fine art, wine or any other type of collection that you have. You are covered worldwide and we will help determine if you need scheduled (itemized), blanket coverage or a combination of both.

Photo of a luxury ocean going yacht underway on a reach

Watercraft Insurance

Whether you own a luxury yacht, a smaller power boat, a sailboat or wave runners our watercraft policies can cover and accommodate you in domestic and international waters.

Woman holding hat on head looking out into the ocean

Flood Insurance

Flooding is a very common natural disaster. Flooding is not traditionally covered on homeowners policies. Flood losses can also be caused by heavy rain. Lang Insurance will help you determine the level of flood protection that you need.

Photograph of two large blue fans used to dry out a house that has been flooded

Excess Flood Insurance

Flood insurance coverage begins with primary flood insurance. Sometimes clients want and need greater and broader coverages. You can purchase higher limits of flood coverage that will cover up to the full value of your home and personal property/contents.

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We insure the assets of high net worth individuals in all 50 states.

Coverages include: High Value Luxury and Waterfront home insurance; Private Fleet Auto Insurance; Worldwide Excess Liability insurance; Specialized insurance for jewelry, Fine Art, Wine, Collections and Valuable Articles; Watercraft insurance; and Flood and Excess Flood insurance.

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We offer personal service that is tailored to your needs.

We are very diligent and are known for our outstanding customer service and quick response times!

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We are trusted by the most discerning clients.

We have enjoyed an A+ rating with the Better Business Bureau. Check out our testimonials!

40 years in business

For more than 40 years, Lang Insurance has been insuring the assets of high net worth individuals and families.

We partner with top-rated high net worth insurance carriers that provide the best coverages at very competitive costs.


Kevin Lang is passionate about servicing his clients, understanding needs and making on-point and honest recommendations.  Kevin is a great listener who develops solutions rather than just sell policies.  The Lang team makes insurance easy to deal with.

J. Leventhal

I purchased Homeowners, flood, car and liability insurance from Lang Insurance. I found them to offer the best protection, at a good price with the best service. His service is amazing and he really understood my insurance needs.

Mr. H. Cowan

Kevin is probably the most responsive person I have ever worked with.  He gets back to me in minutes. With answers.  With solving any potential problem. He fights for his clients. I can’t imagine there being a better insurance broker than Kevin Lang. 

Mr. D. Tarlow

I was looking to change my homeowners insurance when I saw the Lang Insurance ad. Kevin was prompt in his reply. He presented options for homeowners insurance and took the time to explain in plain language the coverage he was proposing and why.  I signed on wand have since also moved my auto insurance over the Lang Insurance.

Mr. R. Roth

I value service and the response time by the Lang team has been exceptional. The staff will always find a solution and go above and beyond to help. It’s so nice in this day and age to call your insurance company and have someone you know answer the phone.

Ms. R. Steffanci

You call. We quote. You save.

1 (866) 964-4434