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Midlands Management Corp
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Midlands Management Corp
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High Net Worth Insurance

High Net Worth individuals face complex exposures that require more than a standard homeowners policy. Your most successful clients need tailored protection and attentive service. The Midlands High Net Worth Insurance program is built to meet those demands — offering flexible, elite-level coverage and placement support for high-value homes, autos, watercraft, collections, and excess liability.

Comprehensive Coverage for Affluent Clients

Midlands provides a premier High Value Homeowners policy that can be written as a monoline homeowners form or packaged with auto, watercraft, excess liability, and private collections. The program is designed to coordinate coverages so your clients receive broad protection under one streamlined placement.

Count on Midlands for underwriting expertise and personalized placement assistance.

Available Coverages: • Property
• Contents
• Valuable articles
• Loss of use
• Personal liability
• Equipment breakdown
• Earthquake
• Auto
• Watercraft
• Excess liability
• Private collections

Ideal Accounts and Target Profile

This program is intended for high net worth individuals and families who need tailored personal lines solutions. Typical fits include:
  • Primary residences valued at $500,000 or more
  • Luxury properties in Louisiana and Texas starting at $750,000
  • Coastal homes with minimum values of $1,000,000
  • Clients with multiple homes, high-end autos, collector vehicles, or valuable art, wine, or other collections
You might have a client who owns a $1.5M coastal vacation home, a luxury SUV fleet, and a fine wine collection — Midlands can help you package those exposures into a coordinated program with appropriate limits and endorsements.

Program Highlights and Flexibility

• Minimum property value $500,000
• Louisiana & Texas minimum property value $750,000
• Coastal minimum property value $1,000,000
• Monoline or packaged policies available
• Comprehensive support for high-value homes, autos, watercraft, excess liability, and collections

Underwriting Notes and Minimum Premiums

Midlands underwriters focus on quality risks with clear valuations and loss prevention measures. Appetite is geared toward well-maintained, documented properties and collections. Minimum property thresholds apply as noted above; premium and program specifics vary by carrier and state. Be prepared to provide detailed schedules for valuables, recent home inspections or surveys where relevant, and loss history for smooth underwriting.

Available States and Market Access

This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Coverage is placed with multiple carriers, and most markets are admitted, which helps with regulatory compliance and client preferences.

Why Work With Midlands?

As a Managing General Agency and Carrier, Midlands Management Corp brings decades of experience in high net worth personal lines. Working with Midlands gives you:
  • Access to top-rated carriers and multiple market options
  • Underwriters experienced with complex, high-value exposures
  • Dedicated support through placement, endorsements, and policy servicing
  • Flexibility to structure monoline or packaged solutions to fit client needs
Midlands helps you deliver the level of protection and service affluent clients expect. For additional program details, refer to the program storefront or connect with a market specialist for placement assistance.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Ideal accounts include homes valued at $500,000+, luxury and coastal properties at higher minimums, clients with high-end vehicles, valuable collections, or multiple residences.

Can I write just the homeowners policy, or does it have to be a package?

You can write a monoline homeowners policy or create a package that includes auto, excess liability, watercraft, and collections coverage depending on the client's needs.

What are the minimum property value requirements?

Minimums are $500,000 for most areas, $750,000 in Louisiana and Texas, and $1,000,000 for coastal properties.

Which states is this program available in?

The program is available in most U.S. states, including CA, TX, FL, NY, and many others. See the full state list above for details.

What carriers does Midlands work with for this program?

Midlands partners with multiple top-rated carriers to provide market access and flexibility for high net worth risks.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Carrier
  • Admitted:
    Most Available Markets
  • Carriers:
  • Carrier Ratings:
    A or Better
  • Commission:
    Varies
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

3817 Northwest Expressway, 1000
Oklahoma City, OK 73112
800-800-4007
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APPLICATIONS

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Midlands Management Corp has other insurance programs like Active Assailant.