High Value Homeowners

This semi-exclusive program offers underwriting solutions to individuals, trusts, or corporations owning or occupying high value or unusual residential dwellings or condominiums.

We are adept at helping you with high value or high risk Personal Lines exposures.  We provide excellent service and comprehensive solutions.

Program Highlights
  • Nationwide coverage
  • Minimum Dwelling Value: $500,000
  • $20M limit – any one risk (non-Cat exposed)
  • $15M limit – any one risk (Cat exposed)
  • Forms: ISO (HO3, HO5, HO6 and Dwelling Forms) – flexible, customizable coverages and sublimits
  • PC’s 1-10
  • Flexibility with deductibles, including high deductible options ($25K plus)
Additional Coverage Options
  • Perils: Special form and Wind, Earthquake, Landslip/slide, Excess Flood available as add-on or stand alone
  • All Risks and Replacement Cost Contents
  • Extended Replacement Cost
  • Unlimited Water Backup option for sewers and drains
  • Up to $250,000 mold
  • Up to $50,000 ID fraud
  • Personal Injury
  • Generous sub-limits
  • Inflation Guard
  • Jewelry, Fine Arts, Furs, Personal Article floaters
Occupancy Type
  • Primary
  • Secondary
  • Seasonal
  • Vacant
  • Condos
  • Course of Construction (including renovations)
  • Rentals (short and long term)
  • Multifamily (up to four units)
  • Older homes (subject to some updates) – homes on national historic registry (Functional RCV)
Additional Classes
  • LLCs, estates, trusts, etc.
  • Celebrities, athletes, high profile individuals
  • Multiple losses
  • Brush exposed
  • High hazard PC’s (maximum 15 minute response time)