Updated: July 23, 2025
A Broker of Record (BOR) letter lets Pine View step in as your advisor—no cancellations or policy rewrites. Your carrier, coverage, pricing, and policy tenure stay exactly the same while you get upgraded service and strategy on your existing portfolio. We pre-fill the BOR for DocuSign, you sign in under a minute, and we manage the transfer end-to-end—no new applications, no lapses, no hassle.
Updated: July 23, 2025
From dog bites to pool parties gone wrong, umbrella claims can arise from the most unexpected everyday moments. This collection of real stories highlights the staggering financial stakes, with plaintiff demands and judgments ranging from hundreds of thousands to tens of millions of dollars. Each case underscores why excess liability coverage is a critical safeguard for protecting assets, lifestyles, and futures.
Updated: July 23, 2025
Your home’s market value isn’t the same as what it would cost to rebuild—and that’s where your Dwelling Limit (Coverage A) comes in. From rising material costs to custom finishes, getting this number right is critical to avoid being underinsured in the event of a loss. This post explains how limits are calculated, why replacement cost structures matter, and how PVIG helps clients align coverage with real-world rebuild costs.
Updated: July 23, 2025
For high-value homes, fire and burglar alarms aren’t just about safety—they’re often required by top insurance carriers. This guide explains what systems insurers like Chubb, AIG, and PURE demand, the difference between central monitoring and DIY setups, and which providers meet compliance. You’ll also learn how proper installation and certification can protect coverage, reduce premiums, and give peace of mind.
Updated: July 23, 2025
Insurance policy documents can be retrieved directly from your carrier’s website. This guide walks you step-by-step through downloading policies from Chubb, PURE, BerkleyOne, Safeco, Cincinnati, and AIG portals. With screenshots and clear instructions, you’ll be able to access your documents quickly—or reach out to PVIG for hands-on support.
Updated: July 23, 2025
High-value carriers like Chubb, PURE, and Cincinnati often require a home assessment after your policy starts—but it’s more than a box-checking exercise. These visits confirm replacement cost accuracy, document custom features, and flag potential risks so your coverage truly matches your home. This guide explains what inspectors look for, how it may affect your premium, and how PVIG supports clients throughout the process.
Updated: July 23, 2025
Pine View Insurance Group was built to give high-net-worth individuals and families the best insurance experience. Our philosophy centers on clarity, speed, and boutique-level service backed by top-tier carriers and elite risk strategies. This post explains who we serve, how we deliver value, and why our independent model sets a higher standard for personal insurance.
Updated: July 23, 2025
An umbrella policy adds an extra layer of liability protection beyond your home, auto, or boat insurance—often millions of dollars of coverage for just a few hundred dollars a year. This guide explains how umbrella coverage works, why limits matter, and the rising risks of costly lawsuits in today’s environment. You’ll also learn about Excess UM/UIM protection and how PVIG’s Umbrella Limit Tool™ helps clients choose the right coverage.
