For Tough Homeowners, High Value and Coastal Property Homes

Featured Carrier:

Program Features:

  • Minimum Value: $750,000
  • Maximum Value: $25,000,000
  • Standard Liability Limit: $1,000,000
  • HO3 and HO5 Forms Available
  • High Hazard and Difficult to Write Risks

Program Highlights:

  • Application: Acord for Homeowners and any carrier Supplemental
  • Policy Form: Standard Homeowner’s with Catastrophe endorsements
  • Underwriters: Rated AXV by AM Best

What’s Covered: Catastrophe Exposures

  • Earthquake (California)
  • Brush Fire
  • Windstorm* (Including Florida Tri-State)
  • Flood
  • Where a town/city has a protection class of 9/10
  • Exposures with excess flood needs (V Zones Included)
  • Areas Where There Are Catastrophe Exposures
  • High Profile Owners (Entertainers and Sports Stars) Liab Issues
  • Insureds With Poor Claims Records
  • Corporately Owned or In Trust Property (Which The Conventional Market Frowns On)
  • Caribbean Exposures

States Available:

AK, AL, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MO, MS, NC, NJ, NM, NV, NY, PA, SC, TN, TX, UT, VA, WI, WV
NEW STATES TO BE ADDED SOON!

Commissions:

12.5%

Submission Requirements:

  • Homeowner Acord 80
  • 3 Years Loss Runs
  • Details on Large Losses
  • Any Comprehensive Homeowners Supplemental Questionnaire