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High-Value Homeowners

High-Value Homeowners

Finally, a high-value homeowners program from an admitted, A++ rated carrier!

This program is specifically designed for the unique needs of your more affluent clients. Understanding that coverage limits offered on a standard homeowner policy may not be enough for finer homes, this program offers coverage extensions that make this program a great value! Review the Coverage Comparison below for more details.

This program is currently limited to the State of California only.

Program Features:

  • 10% commission
  • Admitted, A++ rated carrier
  • Direct bill, no need to collect any deposit!
  • Automatic renewals
  • Dwelling values in excess of $500,000 are eligible
  • Condos and Townhouses - personal property values in excess of $125,000 are eligible
  • Personal Automobile coverage available when homeowners coverage is purchased

See below for coverage comparison, forms and applications.

More Information:
Coverage Comparison
Coverage DescriptionIndustry Standard HO3Our Standard ProgramOur Premier Program
Full Cost Replacement CoverageNoYesYes
Personal Property - Replacement Cost CoverageNoYesYes
Other Structures - Replacement Cost CoverageNoYesYes
Increased Construction Costs Required by Code ChangesLimitedYesYes
Identity Theft ExpensesNoNo$10,000
Loss of UseYes, with limitYes, with limitYes, no limit!
Loss Assessment Coverage$1,000$1,000$50,000
Credit Card Coverage$500$1,000$10,000
Theft of Jewelry and Furs$1,500$2,500$5,000
Theft of Silverware$2,500$2,500$5,000
Business Property on Residence Premises$2,500$2,500$10,000
Business Property away from Insured Premises$500$500$10,000
Personal Injury CoverageNoYesYes
Premises Liability for all premisesNoYesYes
Backup of Sewers and DrainsNoAvailableYes
Breakage of Fragile PropertyNoNoYes
NOTE: Descriptions of coverage are subject to the terms, conditions and exclusions of the actual policy, which forms the contract between the insured and the insurance company.
Forms and Applications below require the free Adobe Acrobat Reader. If you do not have the Acrobat Reader installed on your computer, go to the Adobe Acrobat Reader website to download.
Forms and Applications
ACORD Homeowner Application
Earthquake Retrofit Questionnaire