Pennsylvania Private Client Insurance

Owner, MVP Insurance

Pennsylvania private client insurance is coverage built for households whose homes, cars, jewelry, and net worth have outgrown a standard policy. It pairs higher limits with broader terms: replacement cost for luxury homes, agreed value for collector cars, scheduled valuables, coordinated second home coverage, and umbrella limits reaching eight figures.


That definition matters more in Western Pennsylvania than it did a few years ago. Million-dollar home sales across the region have climbed sharply, and in Q1 2026 the Shadyside and Friendship ZIP code saw average sale prices jump 48.9% in a single quarter to $1,131,415. When values move that fast, a policy written three years ago can leave a family badly underinsured without anyone noticing. The gap usually shows up at the worst possible moment: after a fire, a theft, or a lawsuit.

What is Pennsylvania Private Client Insurance?

Private client insurance is a coordinated risk management plan for high net worth households, designed to go past the limits and exclusions of standard market policies. Instead of a homeowners policy here, an auto policy there, and a jewelry rider nobody has updated since the wedding, everything is reviewed and structured together. The goal is simple: no gaps between policies and no limits that fall short of what the household actually owns.


MVP Insurance has approached it this way since Josh Medure and David Varrati founded the agency in 2008. As an independent agency, MVP works for the client rather than for any one insurance company, which matters a great deal at this level. High-value policies vary widely in how they handle rebuilding costs, valuables, and liability, and comparing them side by side is the only way to see those differences clearly.


If you previously visited MVP's High Net Worth page, it now redirects here. The new private client structure organizes the same coverage around the specific things Western Pennsylvania families tend to own: estate homes in Sewickley or Fox Chapel, lake houses, garaged classics, fine jewelry and art, and the liability exposure that comes with all of it.

David Varrati

By: David Varrati

Owner, MVP Insurance

MVP Insurance is a local, independent agency, licensed to serve individuals and businesses across Ohio and Pennsylvania.

We serve clients from our offices in New Springfield and Zelienople and throughout Northeast Ohio and Western Pennsylvania, working with multiple carriers to help homeowners, drivers, renters and condo owners, landlords, contractors, restaurant owners, shop owners, auto repair shops, professional offices and many other personal and commercial clients find coverage that fits.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

Umbrella

An umbrella policy adds liability protection above the limits on your home and auto policies. One serious accident can cost more than those limits, and the umbrella is what stands between the claim and your savings.

Protecting High Value Homes in Western Pennsylvania

The short answer: a high-value home policy is built to rebuild your house the way it actually stands, not the way a builder-grade estimate imagines it. Standard homeowners policies often cap replacement cost at the dwelling limit, which becomes a real problem when a 1920s stone home in Mt. Lebanon needs slate roofing, plaster walls, and custom millwork to restore.


The features that set private client home coverage apart typically include:


  • Guaranteed or extended replacement cost:pays to rebuild even if costs exceed your dwelling limit, so a spike in labor or materials after a regional storm does not leave you short.
  • Cash-out option: if you decide not to rebuild after a total loss, you can generally take the full settlement instead of a reduced actual cash value payout.
  • Higher contents coverage: often set at a larger share of the dwelling limit, with fewer restrictive sub-limits.
  • Building code upgrades:covers the cost of bringing an older home up to current code during repairs.
  • Water backup and service line coverage:important in older Pittsburgh neighborhoods with aging sewer laterals.


One common mistake we see is a homeowner who renovated a kitchen or added a finished basement and never updated the policy. A $150,000 renovation can quietly erase the cushion in your dwelling limit. For a deeper look at how these features work locally, see our guide to high value home insurance in Pennsylvania.

Insuring Your Second Homes and Vacation Properties

Second homes are where coverage gaps hide most often. A family might have their primary home in Cranberry Township, a cabin near Lake Arthur, and a condo in Florida or the Outer Banks, each insured separately by a different company with different deductibles and liability limits.


Private client policies are generally designed to bring these properties into one portfolio. That means consistent replacement cost terms, a single relationship for claims, and liability coverage that lines up with your umbrella instead of conflicting with it. Seasonal homes also have unique risks, like frozen pipes during months of vacancy or rental exposure if you list the property for part of the year, and a unified plan addresses those directly rather than leaving them to fine print.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

Where you live

Your ZIP code sets the base for both home and auto: weather patterns, repair costs, traffic density and local claim history all feed into it. Distance to a fire station and hydrant matters for the home policy.

Where you live

Comparing Water Backup Coverage Limits

Endorsements come in tiers, and the default limit is often too low for a fully finished space. Match the limit to what's actually down there.

Specialized Coverage for Collector Cars

Collector car insurance pays an agreed value, a number you and the insurer set upfront, rather than depreciated market value. If your restored 1967 Camaro is totaled, you receive the agreed amount, not whatever a standard auto adjuster decides an old car is worth. That single difference is why classic owners should never leave a prized vehicle on a regular auto policy.


Western Pennsylvania has a deep car culture. The Pittsburgh Vintage Grand Prix still draws crowds, with invitational car displays in the Strip District as recently as June 2026. Many local collectors drive their cars to shows, rallies, and weekend cruises, which is exactly what usage-based classic plans are built around.


MVP works with Hagerty and J.C. Taylor as an independent agent, both well known for collector vehicle coverage. Plans typically consider:


  • Mileage and usage limits, with options for owners who drive more
  • Secure garage storage requirements
  • Coverage for spare parts and tools
  • Roadside assistance with flatbed towing
  • Coverage for vehicles under restoration


Exotics and modern high-performance cars may need a different approach than pre-1980 classics, so it pays to talk through how each car is actually used.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

Umbrella Coverage

An umbrella policy typically kicks in once your underlying auto or home liability is exhausted. Picture a multi-car accident where injuries run well past your auto limit, or a guest seriously hurt on your deck. Umbrellas often cover claims your base policies don't, like certain libel or slander suits. The catch: carriers usually require minimum underlying limits, so your auto and home policies must be set correctly first.

The Role of Umbrella and Life Insurance in a Comprehensive Plan

Scheduling Jewelry and Significant Valuables

Scheduling means listing an item individually on your policy at its appraised value, which removes it from the low sub-limits found in standard homeowners coverage. Many standard policies cap theft of jewelry at a modest dollar amount for all pieces combined. An engagement ring worth $25,000 can fall far short of full coverage without anyone realizing it.


Scheduled personal property coverage generally offers several advantages over sub-limits:

Feature Standard Sub-Limit Scheduled Coverage
Theft limit Low, combined cap Full appraised value
Mysterious loss Often excluded Typically covered
Deductible Usually applies Often none
Geography Limited Worldwide

Worldwide coverage is the feature clients appreciate most. A bracelet lost on a cruise or a watch stolen from a hotel in Europe is handled the same as a loss at home. This matters more each year, since jewelry is the top-performing luxury category as global luxury spending is projected to reach €1.47 trillion in 2026.


Values drift as gold and gemstone prices change, so local experts generally recommend updating jewelry appraisals every five years. Fine art, rare wine, and collectible watches deserve the same attention.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

04

Review, bind, and relax

Once you approve, we bind the policies, send your ID cards and set a reminder for next year's review.

Bundling makes sense for Ohio families who commute into Pennsylvania. You get one renewal conversation, liability limits that match across policies, and often a multi-policy credit. It also makes room for an umbrella policy, which usually requires matching underlying limits on your home and auto policies.


Start with the details of homeowners coverage in Ohio, then line them up with car insurance for New Springfield drivers. If you drive daily on Route 224 or into Pennsylvania, make sure your vehicle's garaging address and mileage are accurate. A mismatch can complicate a claim.

Higher Umbrella Limits for Wealth Preservation

For households with significant assets, a $1 million umbrella is rarely enough. Excess liability limits of $5 million to $25 million are common in private client planning because serious injury lawsuits target the defendant's full net worth, not just their insurance.


Think about the exposures many affluent Western Pennsylvania families carry: teen drivers, a pool or lake dock, household staff, board seats at nonprofits, and rental properties. A single car accident with a severe injury can produce a judgment well beyond standard auto limits. Without enough excess coverage, savings, investments, and even future earnings could be at risk.


High-net-worth umbrella policies typically require higher underlying auto bodily injury limits, often $500,000 to $1 million, before the umbrella applies. Annual premiums for family office excess umbrella coverage in Pennsylvania have generally ranged from about $952 to $3,584 in 2026, depending on limits and household exposures. That is modest compared to the assets it protects.


Pennsylvania still keeps strict prior approval requirements for personal lines like homeowners and umbrella insurance,even after deregulating certain commercial lines in April 2026. Learn more about structuring limits in our umbrella insurance Pennsylvaniaguide.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

The Role of Umbrella and Life Insurance in a Comprehensive Plan

Comparing Standard vs Private Client Coverage Options

Private client coverage generally offers higher limits, broader terms, and fewer restrictive sub-limits than standard policies. The table below shows typical differences, though exact terms vary by policy and household.

Coverage Area Standard Policy Private Client Policy
Dwelling Replacement cost up to policy limit Guaranteed or extended replacement, cash-out option
Contents Lower percentage of dwelling, many sub-limits Higher percentage, fewer sub-limits
Jewelry and art Small combined theft cap Scheduled, full value, worldwide
Liability Often $300,000 to $500,000 Higher base limits plus $5M to $25M umbrella
Collector cars Actual cash value Agreed value
Second homes Separate policies Unified portfolio
Claims handling Standard adjusters Often dedicated high-value adjusters

The biggest shift is philosophical. Standard policies assume an average home and average possessions. Private client policies assume your situation is specific, and they are built around what you actually own.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

04

Review, bind, and relax

Once you approve, we bind the policies, send your ID cards and set a reminder for next year's review.

Frequently Asked Questions About Private Client Insurance

What happened to MVP Insurance's High Net Worth page? The old High Net Worth page now redirects to this private client section. The coverage is the same, just organized more clearly by what you need to protect.


Do I need private client insurance if my home is worth under $1 million? Possibly. If you have valuable jewelry, collector cars, a second home, or significant savings to shield from lawsuits, a private client approach can still make sense.


Does Pennsylvania regulate high-value homeowners and umbrella rates? Yes. As of this writing, Pennsylvania keeps prior approval rules in place for personal lines like homeowners and umbrella, so rate changes must be approved before taking effect.


Will a small accident raise my auto premium in Pennsylvania? Generally not if the claim is small. Effective July 1, 2026, insurers cannot surcharge for accidents with claims below $2,350.


How often should I update appraisals on jewelry? A good rule is every five years, or sooner if metal or gemstone prices shift sharply.


How do I switch my existing coverage to a private client plan? Start with a review of your current policies. MVP compares options, lines up renewal dates, and helps you move coverage over without gaps.

Written By

David Varrati

Owner, MVP Insurance

Owner, MVP Insurance

On this page

The Role of Umbrella and Life Insurance in a Comprehensive Plan

Request a Private Client Review at MVP Insurance

Your home, your cars, your jewelry, and your liability exposure are connected, and they should be insured that way. A coordinated private client plan closes the gaps that separate policies leave open, from underinsured dwellings to outdated appraisals to umbrella limits that no longer match your net worth. For Western Pennsylvania families, rising home values make this review especially timely.


MVP Insurance is licensed in Ohio (license #37714) and Pennsylvania (license #519263), NPN 10588293. You can stop by our Zelienople office at 108 E Grandview Ave, Zelienople, PA 16063, or call (724) 453-1122. Clients closer to the Ohio line can reach our New Springfield office at 13823 Grant St, New Springfield, OH 44443, (330) 707-9055.


When you are ready, Request a Private Client Review and we will look at your full portfolio, compare options from multiple carriers, and show you exactly where your coverage stands. It is far easier to fix a gap now than to discover it after a claim.

MVP Insurance is a local, independent agency, licensed to serve individuals and businesses across Ohio and Pennsylvania.

We serve clients from our offices in New Springfield, Ohio and Zelienople, Pennsylvania and throughout Northeast Ohio and Western Pennsylvania, working with multiple carriers to help contractors, landlords and real estate investors, restaurants, retail shops, auto repair shops, professional offices and many other personal and commercial clients find coverage that fits.

Our Owners

Two friends who started an agency

Owner

Joshua Medure

I am a Penn State marketing graduate with more than ten years in insurance. My childhood friend David and I started MVP Insurance in Northeast Ohio because we wanted the people around us to have an agency that gives honest advice, real choices and someone who picks up the phone. I lead the agency’s insurance strategy, which means I read the policies so our clients do not have to. Away from the office, I coach youth football.

Connect on LinkedIn

About the Author

David Varrati

Owner, MVP Insurance

I started MVP Insurance with my childhood friend Josh because we wanted people in Northeast Ohio and Western Pennsylvania to have an agency that explains things plainly and picks up the phone. I studied Political Science at Slippery Rock University and have spent more than ten years helping families and individuals protect what matters to them. When I am not in the office, you will find me coaching youth sports.

Personal Insurance in Ohio & Pennsylvania

Coverage for your home, your car, and your family

Protect the everyday things that mean the most to you.

Homeowners Insurance

Your home is one of your most valuable assets. We compare carriers to protect the house, your belongings, and your liability.

Car Insurance

We proactively shop the market to find the best combination of coverage and price for every car in your driveway.

Renters Insurance

Own a condo or rent your home? We insure your unit, your belongings, and your personal liability at a fair rate.

Umbrella Insurance

Extra liability protection above your home and auto policies. Large coverage limits for a small added cost each year.

Life Insurance

Protect the people who rely on you most, so they can keep their home and lifestyle if the unexpected happens.

Flood Insurance

Standard home policies do not cover flooding. We help you add flood coverage through the NFIP or a private carrier before the water rises.

Business Insurance in Ohio & Pennsylvania

No matter how big or small your business, we protect it

Practical coverage for your people, your property, and the work you do.

General Liability

Protection when someone outside your business is hurt or their property is damaged because of your work or your premises.
Explore More

Business Owners Policy

One policy that bundles property and liability for small businesses. Simple, affordable protection for your building and contents.
Explore More

Professional Liability

Protection when a client says your advice or work caused them a loss. A staple of any solid commercial package.
Explore More

Commercial Property

Helping landlords and commercial real estate investors insure their buildings, habitational risks, and the rental income they produce.
Explore More

Workers Compensation

Protecting your employees is protecting your business. Medical bills and lost wages covered when someone gets hurt on the job.
Explore More

Commercial Auto

With a wide selection of commercial auto carriers, we find the right coverage for your trucks, vans, and drivers.
Explore More

Industries We Serve

Insurance built around the work you do

Every industry carries different risks. We know the coverage each one needs and shop the carriers that write it well.

Contractors Insurance

General contractors, remodelers, roofers, and trade crews. We cover the liability, tools, vehicles, and workers your jobs depend on.

Plumber Insurance

Water damage claims follow plumbers everywhere. We cover your liability, your tools, your van, and your crew, job after job.

Restaurant Insurance

Kitchens, bars, and cafes face fire, spoilage, and slip risks. We package property, liability, and liquor coverage in one plan.

5-Star Rated on Google

What our clients say

Our clients say it best. Here is what they share about working with Josh, Dave, and the MVP team.

Contractors & Tradesmen

General contractors, roofers, electricians and plumbers. We cover liability, tools, vehicles and crews so every job stays protected.

Explore More

Insurance Tips & News

Insurance tips for Ohio and Pennsylvania families and businesses

Practical ideas for protecting what matters to you.

How to File an Insurance Complaint in Pennsylvania: What the Insurance Department Handles, How to

How to File an Insurance Complaint in Pennsylvania: A Step-by-Step Guide

24 October 2026
How to File an Insurance Complaint in Pennsylvania. What Pennsylvania households should know, explained in plain English by a local independent agent.
Pennsylvania Insurance Guaranty Association Explained: What Happens When an Insurer Fails, Claim

Pennsylvania Insurance Guaranty Association Explained: What Happens When an Insurer Fails

24 October 2026
Pennsylvania Insurance Guaranty Association Explained. What Pennsylvania homeowners should know, explained in plain English by a local independent agent.
Pennsylvania Auto Insurance Cancellation and Nonrenewal Rules: Notice Periods, Allowed Reasons Under

Pennsylvania Auto Insurance Cancellation and Nonrenewal Rules: What Drivers Should Know

24 October 2026
Pennsylvania Auto Insurance Cancellation and Nonrenewal Rules. What Pennsylvania drivers should know, in plain English.

Insurance Questions, Answered

Questions our clients ask

A little clarity can make your next step easier.

  • What does an independent insurance agency do?

    An independent agency works with multiple insurance companies. We compare your options, explain the differences, and help you choose coverage that fits your needs.

  • Can MVP Insurance quote both my home and auto?

    Yes. We can compare home and auto insurance options together. We explain available discounts and check how the policies work together.

  • Do you insure businesses in Ohio and Pennsylvania?

    Yes. We help businesses in both states compare options for property, liability, employees, and commercial vehicles. The right policy depends on your work and the risks involved.

  • How do I import my current policy for a quote?

    Use our Canopy policy import link to share your current policy information. Our team can then review your existing coverage and compare options with you.

  • How do I report a claim or make a payment?

    Visit our Client Center for billing and claims information. You can also call either office for help finding the right carrier contact.

  • How often should I review my insurance?

    Review your coverage each year and after a major change, such as a move, new vehicle, or business expansion. Tell us what changed so we can help you check your protection.

Covington office, Monday through Friday

Call

614 E. Boston St., Covington, LA 70433

58418 Tyler Drive, Slidell, LA 70461

Request Your Free Quote

Let's make insurance simple for you

Tell us what you need. We will help you explore your options.

Call Pennsylvania