Homeowners Insurance

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It’s time to get more discerning

When buying property, many of us seek out a few “must-haves.” You may consult a realtor to access a desired neighborhood or an architect to realize your vision. Unfortunately, this scrutiny doesn’t always extend to insurance. We’re here to change that.

As your residential real estate portfolio expands, so do your coverage options. You no longer need to retrofit into a homeowners policy designed for everyone else.

We’ve seen just about every type of home, be it a remote country estate or a sleek high-rise penthouse. This context allows us to introduce protection must-haves and set a more solid foundation for personal risk management.

Coverage considerations

The good news: insurance carriers offer more solutions than ever to tackle issues that contribute to property damage. The downside? There are way more decisions to make.

Whether you own one primary residence or multiple homes around the world, your Risk Strategies broker will explain how to augment, modify, or supplement the coverage in your policy to match not only your needs but also your comfort level. From setting appropriate limits to choosing your deductible, we’ll base each recommendation on what’s important to you.

Beyond conventional concerns, we can address:

  • Seasonal and secondary homes
  • Flood
  • Equipment breakdown
  • Rental property
  • Historic homes
  • Other structures on your property

Preservation, mitigation, recovery, resilience

A well-prepared home is much more resilient. That’s why we stay closely connected to our clients all year long, sharing practical recommendations drawn from real-world experience and real-time analysis.

Our philosophy of specialization means you gain access to a deep well of resources to plan for known threats and rebound quickly if the unexpected happens.

We address claims with urgency and care but are equally committed to helping you avoid problems from the outset. Together we can navigate:

  • Extreme weather highs and lows
  • Hurricanes, wildfires, and other natural disasters
  • Interior water damage
  • Burglary and security concerns
  • Environmental and sustainability impact
  • Routine upkeep to avoid accidents around the property

Practice Leadership

National Private Client Services Practice Leader

Alison Murphy

Alison Murphy

National Private Client Services Practice Leader

Alison joined Risk Strategies in 2021, developing and leading the overall national growth strategy for Private Client Services. She focuses on enhancing the client experience for our high net worth clients and delivering tailored solutions that better serve their unique insurance and risk management needs.

With over 25 years of experience in the property & casualty insurance industry, Alison has spent the majority of her career in the high net worth segment. Prior to joining Risk Strategies, she worked for the PURE Group of Insurance Companies where she held various leadership positions including Eastern Zone Executive. Previously, she held various roles focused on business development and underwriting for AIG and The Chubb Corporation.

Alison holds a Bachelor of Arts in English Literature from Franklin & Marshall College and is a graduate of Boston’s Future Leaders Program. She is actively engaged in her community through several organizations including the Greater Boston Chamber of Commerce, Insurance Industry Charitable Foundation, Women’s Lunch Place and the Dana-Farber Cancer Institute’s Falmouth Road Race.
Chief Operating Officer, Personal Lines
Tim deRosa

Tim deRosa

Chief Operating Officer, Personal Lines

Tim joined Risk Strategies in 2022 as the Chief Operating Officer for the Private Client Practice to help develop and implement the strategic vison for the practice and to manage day-to-day practice operations and technologies. His responsibilities include driving operational efficiencies across all offices and regions, enhancing the client experience through the use of technology, standardizing and optimizing workflows and helping to oversee the management of the Private Client Practices' largest carrier relationships.

In addition to his practice leadership role, Tim is also a personal risk advisor and works directly with successful families across the county. He assesses client needs, identifies future risks, and develops customized, comprehensive personal insurance solutions that align with their risk management priorities.

With nearly 25 years of experience in the insurance industry, Tim brings a wide range of experience having spent dedicated time on the retail, wholesale, and carrier sides of the business. He founded and sold Platinum Partners, a successful wholesale business focused exclusively on the private client segment. He also served as Executive Vice President of Orchid Underwriters, a private equity backed specialty MGA which he joined after selling his firm. In addition, Tim spent nearly a decade at Chubb Personal Risk Services where he held several executive level positions in both underwriting and marketing, including leading the New England Region.

Tim earned a Bachelor of Arts degree in Political Science from Drew University. He is a member of PRMA (Private Risk Management Association), a longtime member of the Boston Estate Planning Council, and a former member of the Family Office Exchange.

Bryan Newman
Private Client Services Leader - West Region
Lesa Blaser
Private Client Services Leader - Central Region
J.C. Fulse
Private Client Services Leader - Atlantic Region
Charlie Graham
Private Client Services Leader - New England Region
Nick Licursi
Private Client Services Leader - New York Region

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