Protect Your Assets with Property and Casualty Insurance Planning
Your insurance should protect more than your property - it should strengthen your entire financial foundation.
At Citrine Capital, we provide clear, objective guidance to ensure your property and casualty insurance fits your lifestyle, risk exposure, and long-term goals.
Get the Right Property and Casualty Insurance with Help from Citrine Capital
For high-net-worth families, property and casualty insurance is a cornerstone of wealth preservation. However, it can be difficult to know how much coverage you need or whether your current policies may leave gaps - particularly when it comes to liability exposure and umbrella protection.
That’s why we regularly review each client’s P&C insurance coverage to identify gaps, overlaps, and inefficiencies - helping you find appropriate coverage so your wealth and lifestyle are fully protected.
Essential Property and Casualty Insurance for High-Net-Worth Families
Risk management is foundational to sound financial planning. Our advisors help you secure policies that align with your broader strategy - protecting your assets, lifestyle, and future.
Homeowner’s Insurance
We help you design homeowner’s coverage that reflects your property’s true replacement and rebuilding costs - ensuring the right protection for your home’s unique features.
Auto Insurance
For high-net-worth households, liability exposure is often the greatest risk. We help structure auto coverage that protects your assets - not just your vehicle.
Valuable Personal Property Coverage
Protect jewelry, art, and collectibles with coverage aligned with your needs and objectives.
Umbrella Liability Insurance
Umbrella coverage is essential protection for high-net-worth families. We’ll help you determine the right coverage level to protect your assets and peace of mind.
Rental Property Insurance
We help you find coverage for investment properties that protects against damage, liability, and loss of rental income.
Business Liability Policies
We evaluate your operations and help design business coverage that fully protects your work, assets, and long-term goals.
The Citrine Capital Approach to Asset Protection
Insurance is more than a safety net - it’s a critical part of your overall financial strategy.
We evaluate your entire risk profile, review existing policies, and identify where coverage may be missing or overlapping. That includes ensuring your umbrella coverage truly reflects your wealth and liability exposure. We then help coordinate appropriate protection across property, casualty, life, and health so everything works together to safeguard your lifestyle, legacy, and peace of mind.
Comprehensive Financial Advisory Services for High-Net-Worth Families
Beyond property and casualty insurance planning, we offer holistic financial guidance to help you grow, protect, and transfer wealth.
Wealth Management
We take a disciplined, personalized approach to managing your investments - so your portfolio evolves with you.
Asset Protection
We help you safeguard your wealth with coverage designed to reduce exposure and mitigate risk.
Financial Planning
We develop flexible, forward-thinking strategies to support you at every stage of your life.
Who We Work With
We partner with high-net-worth individuals and families across the Bay Area — including founders, business owners, and tech professionals.
As a San Francisco–based advisory firm, we understand the region’s unique financial realities: high taxes, high living costs, complex equity structures, and a highly litigious environment that makes asset protection essential.
We turn that complexity into clarity, building thoughtful, actionable strategies to protect your assets, simplify decision-making, and support your long-term goals.
Discover the Citrine Capital Advantage
Our clients choose us for our straightforward financial advice, thoughtful planning, and commitment to what matters most - their goals, values, and peace of mind.
Transparent Financial Advice
As a fee-only fiduciary firm, we provide objective advice - free from commissions or product incentives - always aligned with your best interests and long-term goals.
Integrated Tax and Financial Planning
Our advisors and CPA collaborate year-round to align your investment, tax, and estate strategies - so no opportunity or detail is missed.
Equity and Liquidity Expertise
We specialize in helping tech founders and executives plan around liquidity events, equity compensation, and concentrated stock exposure - balancing opportunity and risk with precision.
Get Started with Citrine Capital’s Risk Management Experts
Gain clarity and confidence in your property and casualty insurance coverage with advisors who understand how insurance fits into your broader financial strategy.
To begin, complete a short questionnaire so we can ensure we’re the right fit. We’ll follow up to review your goals, values, financial situation, and any questions you have about your coverage.
Take the first step toward protecting what you’ve built - with guidance that’s transparent, strategic, and built around you.