Nathan Feuerman, High Net Worth Insurance Producer at Stonebrook Insurance
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Nathan Feuerman

High Net Worth Insurance Producer, Stonebrook Insurance

About Nathan

A specialist, not a generalist.

Nathan Feuerman brings deep expertise in high net worth insurance, a field where general knowledge isn’t enough.

Many brokers handle a little of everything. Nathan focuses on one thing: protecting substantial homes, collections and the families who own them. That focus shows in the details. He knows which high-value carriers are on solid financial ground and which are not, which ones are truly built for high net worth clients and which only market themselves that way, and exactly which kind of risk fits each carrier best.

The result is coverage that is placed on purpose. Clients who come to Stonebrook from a generalist broker are consistently surprised by how much more can be done for them, from closing gaps they didn’t know they had to finding carriers they had never been offered.

Nathan typically works with personal accounts with annual premiums above $10,000.

Track record

What Nathan has done for clients.

Every account starts with a full review of what a family already has. Here is what those reviews have turned up.

Closed major coverage gaps

Found and closed serious holes in existing programs, from missing liability and flood protection to homes and valuables that were never properly covered.

Fixed severe underinsurance

Uncovered homes insured far below what they would cost to rebuild, often without the owners ever knowing, and corrected them before a loss could expose the gap.

Saved tens of thousands a year

Restructured programs and moved accounts to better-fitting carriers, saving some clients tens of thousands of dollars a year without giving up coverage.

Stopped paying for property that didn’t exist

Found clients still paying premiums on homes, vehicles and items they no longer owned, and cleaned up their policies.

Saved real estate deals

Placed coverage on hard-to-insure properties when buyers couldn’t find the right insurance in time, keeping closings from falling apart.

Placed hard-to-fit risks

Matched coastal, high-value and unusual properties to the carriers best suited for them, where generalist brokers had run out of options.

Specialties

Where Nathan focuses.

High-value homes

Primary residences and estates, with replacement cost set to what the home would truly cost to rebuild.

Coastal and shore homes

Oceanfront and near-ocean homes, wind deductibles and flood, including excess flood above the NFIP limits.

Jewelry, art and collections

Scheduled valuables, silver Judaica, watches and fine art, insured at appraised value.

Umbrella and excess liability

Liability limits sized to what a family has built, coordinated across every home and vehicle.

Vacation and second homes

Seasonal homes in New Jersey and across the country, placed through our carriers and partners.

Collector and high-value autos

Agreed-value coverage for collector cars and higher limits for the family fleet.

Learn about Stonebrook Private Client →

Background

At a glance.

  • RoleHigh Net Worth Insurance Producer, Stonebrook Insurance, Lakewood, NJ
  • FocusPersonal accounts with annual premiums above $10,000
  • LicenseLicensed New Jersey insurance producer
  • EducationGraduate of Beth Medrash Govoha, Lakewood, NJ. High school in the Bronx, New York.
  • ConnectNathan Feuerman on LinkedIn
Articles

Articles by Nathan.

PerspectiveThe Zoomed-Out Insurance BrokerWhy a good broker steps back, puts himself in the business owner’s shoes, and treats insurance as an efficient use of capital.PersonalCoastal Risk and the Rating Question: Demotech, Lloyd’s, and the Admitted MarketHow to choose between a small Demotech-rated admitted carrier and a non-admitted Lloyd’s placement for a coastal home.PersonalReplacement Cost Versus Market Value: How Carriers See Your HomeWhy replacement cost and market value measure different things, and why getting the valuation right matters both ways.PersonalThe One Percent Water Deductible: Small Numbers, Large ExposuresHow percentage deductibles on water damage work, why they’re treacherous, and how to negotiate them down.PersonalCarrier Valuations and the Retroactive Premium: Insuring New Construction to ValueWhy carriers re-rate new construction after inspection, sometimes back to day one, and how to prevent it at binding.PersonalAdmitted versus Non-Admitted Paper: Placing a Two-Million-Dollar HomePlacing a $2 million home: guaranty funds, financial strength, policy forms and claims behavior compared.PersonalThe $100,000 Deductible: When a Policy Exists in Name OnlyWhat a $100,000 across-the-board deductible really means, and when a very high deductible is a rational choice.PersonalThe Mechanics of Moving a Home Policy: Switching Carriers Without a Coverage GapFour steps to move a home policy to a new carrier without a gap in coverage, and how the unused premium comes back.PersonalDo High-End Claims Need Public Adjusters? Advocacy and the Chubb QuestionWhen a public adjuster earns the fee on a high-end claim, and when a broker who knows the carrier is the better advocate.PersonalNo Certificate of Occupancy: Insuring New Construction in a Regulatory GapHow a new 8,000-square-foot home got insured before its certificate of occupancy, and the cautions that come with it.PersonalOverinsured Dwellings, Underinsured Drivers: Rebalancing the Personal Insurance PortfolioWhy so many households carry dwelling limits they can never collect, and too little uninsured and underinsured motorist coverage.PersonalThe Umbrella Question: Liability Protection as the Test of Complete CoverageWhy the personal umbrella is the one-question test of an affluent household’s insurance program.PersonalEIFS, Stucco, and the Underwriting Inspection: How Construction Details Move PremiumHow a carrier mistook stucco for EIFS and doubled a premium, how to tell the two apart, and why the inspection matters.PerspectiveWhen Markets Retreat: What the California Fires Reveal About Homeowners InsuranceWhy insurers pulled back from California, why premiums are rising for people who never filed a claim, and what it means for homeowners everywhere.PersonalInsuring the Irreplaceable: Heritage Properties and the Limits of Replacement CostHow historic and custom homes strain replacement cost, and the difference between extended and guaranteed replacement cost.PersonalStandard versus High-Net-Worth Carriers: Valuing the Promise Behind the PremiumWhy a client paid $4,000 more for a high-net-worth policy, and what guaranteed replacement cost actually buys.
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