Personal Insurance
Personal insurance at Falcon West is built for the house, the garage, the liability layer, and the digital life beside them—not for a starter policy that grew by accident.
We place high-net-worth home, auto, umbrella, valuables, flood, earthquake, domestic staff, and personal cyber as one program when the risk requires it. Named insureds, trusts, rebuild cost, and underlying limits are reviewed together so the umbrella and the home policy are not arguing at claim time.
Start with how the private-client program is built, then open the coverages and geo pages that match your household.
Private client and core coverages
- Private client — how we structure the full household program
- Home insurance — rebuild cost, significant homes, catastrophe exposures
- Auto insurance — daily drivers through collector and agreed-value vehicles
- Umbrella insurance — high-limit liability on qualifying underlyings
- Personal cyber insurance — ransomware, stolen funds, identity, defense
- Earthquake insurance — California shake risk a standard home policy leaves out
Where we work
- California personal insurance — San Diego HQ; statewide book for 3,000+ sq ft homes
- Minnesota personal insurance — Minneapolis office; Lake Minnetonka and Twin Cities
Falcon West has covered families and businesses across the United States since 1981. If the policy still looks like a first house and the house is no longer simpler, start a conversation.
This page is a general summary, not a guarantee of coverage. What applies to a claim depends on the circumstances and the terms of the policy as issued.