For a nationwide private client homeowners policy, you can get many options. These policies can cover things like heirlooms, spoiled wine, libel, and personal injury. Some private client insurance companies offer additional services like home appraisals to identify safety features in your home that qualify for policy credits. Some policies also cover additional living expenses, including boarding pets for those in need. If you need to evacuate your home, a private client insurance company can even provide temporary housing.