Residential Insurance for High Value Homeowners

Competitive rates for hard-to-place single family homes with 1-2 families provided in three convenient ways to quote: online, phone and email.

Targeted Classes:

  • HO-3, HO-5, HO-8, DP-1 and DP-3 forms available 
  • Primary Homeowners plus one additional line of supporting business
    • Automobile
    • Umbrella
    • Rental Property
  • Protection Classes 1-10
  • Hard-to-place risks including Coastal properties
  • Trusts & LLCs
  • High profile individuals accepted
  • All construction types
  • Primary, Secondary, Seasonal & Rental Homeowners
    • Online Quoting: valued $250,000 up to $1M (Homes valued $1M+ will be referred to an underwriter)
  • Admitted markets not available online

Discounted rates available online and over the phone for HO-3, HO-8, DP-1 and DP-3 policies up to $1M. Up to 20%+ discount, varies by home value, location and age! Availability varies by state.


Get a Quote

A signed brokerage agreement is required before receiving a quote. Request one today by filling out a partnership request form.

Call - Call 877-275-9578 for quoting via phone. See available states below.

States Available

Online Quoting: Log in to the agent portal

Phone Quoting: 877-275-9578

  • Arizona
  • Colorado
  • Connecticut
  • District of Columbia
  • Delaware
  • Florida
  • Georgia (Tier 1 counties only)
  • Iowa
  • Idaho
  • Illinois
  • Kansas
  • Massachusetts 
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • Nevada
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oregon
  • South Carolina (Tier 1 counties only)
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin 

Email Quoting:


  • Coverage A dwelling property coverage for homes valued $600,000+
    • Property
    • Contents Replacement
    • Liability
    • Medical Payments
    • Additional Living Expenses
  • “A” Rated or better Admitted and Non-Admitted Markets
  • Guaranteed Replacement Costs
  • Up to two claims accepted based on cause and payout amount for Admitted markets
  • Tailored coverage and limits to meet the needs of high-end clients
  • Wind mitigation credits available
  • Multiple deductible options, $500 - $5,000
  • Direct Bill available on renewal policies
  • Fire Marshal Report required if previous fire claim
  • Coastal Properties right up to the water. 1,000 ft Distance-to-coast setback applies in FL and Charleston County, SC.
  • Specializing in newer homes and older homes with updates

    Some products may only be available through an All Risks underwriter.
Additional Options
  • Increased Ordinance of Law
  • Extended Replacement Cost (home built in 1950 or newer)
  • Personal Article Floater (both blanket and scheduled property)
    • Jewelry, furs, cameras, musical instruments (personal use only), silverware, golfer’s equipment, golf carts, fine art, postage stamps, rare and current coins, guns/firearms, bicycles
    • Can be written as a standalone policy or as a package policy
    • Appraisal requirements: jewelry $5,000+, all other items $10,000+
  • Excess Flood
    • All flood zone (excludes COBRA and non-participating communities)
    • Single family dwellings, 1-4 family dwellings, condo and townhomes
    • Flood zone A and V require elevation certificates for quoting
    • Up to $5,000,000 TIV
    • No restrictions on Coverage Limits (Can not be excess replacement cost of home. No minimum requirements)
    • Superior Home Protection Form
  • Identity Theft
  • Earthquake (South Carolina Earthquake available for online quoting)
  • Personal Injury (excluding high profile individuals)
  • Golf Cart coverage
  • Water Back-up and Sump Discharge or Overflow
  • Animal Liability (no vicious breeds)
  • Equipment Breakdown
  • Personal Umbrella
    • Admitted up to $5M
    • Non-Admitted up to $10M
  • Automobile Coverage
  • Yacht Coverage
  • Watercraft up to 26ft
  • Personal Property Replacement Cost

Some products may only be available through an All Risks underwriter.

Binder Requirements

The following requirements will be attached to your online quote for completion: