Home & Auto

Your home, its contents and your vehicles are likely your biggest investments. How do you know they’re sufficiently protected? From the carrier you choose to the policy and terms, the number of options can be daunting. Higginbotham simplifies the process. We’ll help you select a carrier and coverage that adequately safeguards your assets, and then coordinate the varied billing and renewal dates of your policies. Without guidance, you may be left with a patchwork program that has gaps in protection or overlapping coverage—costly mistakes if you experience an uncovered loss or pay for unnecessary coverage. Higginbotham helps ensure that you’re sufficiently protected and pay no more than necessary.

More than just your home and vehicle are at risk. Everyday activities like entertaining guests in your home, walking your dog and playing team sports can make you vulnerable to accidents. We help identify your exposures and reduce your liability from:

  • Lawsuits (prominence and wealth can make you a target)
  • Personal staff (housekeepers, nannies, chauffeurs)
  • Teenage drivers
  • Threats to personal safety and security
  • Personal exposures to business pursuits (farms, vineyards, family offices)

Higginbotham also takes the guesswork out of the claims process. When you’re in a car accident, have a flood from a water heater leak, are burglarized or experience any other loss, we’ll help determine if you’re insured for the loss and the impact it will have on your rates if it’s reported. We also file the claim with your carrier on your behalf and follow through for a prompt and fair resolution.