AIG Private Client Group provides high-net-worth personal lines coverage, rated A Superior. They compete with Chubb for estate-level homeowners, writing guaranteed replacement cost, agreed value personal property, and concierge claims service. AIG writes homeowners, auto, collector auto, and umbrella for high-net-worth clients where Chubb may not be the right fit.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Guaranteed replacement cost on qualifying homes with no dollar cap

Strength 2

High-limit umbrella and excess liability (to $100M) for complex liability exposures

Strength 3

Private Client risk management services including home inventory, appraisal coordination, and loss prevention consultation

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Minimum home value and net worth thresholds exclude most mid-market Georgia homeowners

Weakness 2

Premium pricing; AIG assumes coverage breadth and service justify rate, which is true for the right client

Weakness 3

Limited appetite outside the high-net-worth segment

Best Fit For

Georgia families with home values $1M+, complex liability exposures, private aviation or yacht ownership, business ownership requiring personal excess coverage

Not A Good Fit For

Homeowners with properties under $750,000 or families without complex liability needs. AIG's minimum thresholds and premium structure are designed for ultra-high-net-worth clients.

APPETITE & COVERAGE

What They Write

Coverage Types

Private Client homeowners, high-value auto, yacht, jewelry and fine art, personal excess liability, kidnap/ransom

Best Pricing For

AIG is not price-competitive for standard homeowners. The right choice when guaranteed replacement cost, agreed value personal property, and concierge claims service justify the premium for estates and high-value collections.

Industry Classes

Admitted Status

CLAIMS & PRICING

What to Expect

Claims Experience

Specialized Private Client adjusters with high-net-worth claim experience. Larger losses often involve specialty adjusters for art, jewelry, or complex structural damage. Service level is calibrated to the client tier.

Pricing Context

Premium pricing reflecting coverage depth and service model. Not a price-competitive option relative to standard market carriers.

vs Competitors

Primary affluent market competitors are Chubb and PURE. AIG often wins on limit capacity (higher umbrella limits available) and complex liability structures. Chubb typically wins on coverage breadth for the home itself.

STATE AVAILABILITY

Where They Write

States Available

Georgia and most US states through Private Client Group

Personal Lines States

GA and most US states through Private Client Group

Commercial Lines States

Do We Work With Them?

Yes

Active in Georgia affluent segment. Particular strength in serving clients with business ownership, board roles, or public-facing exposure requiring enhanced privacy and liability protection. North Atlanta and Buckhead are primary Georgia markets.

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AIG Private Client Insurance

How This Carrier Rates

AM Best

JD Power Personal

JD Power Commercial

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