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High-Value Homeowners
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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:
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10% commission
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Admitted, A++ rated carrier
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Direct bill, no need to collect any deposit!
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Automatic renewals
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Dwelling values in excess of $500,000 are eligible
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Condos and Townhouses - personal property values in excess of $125,000 are eligible
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Personal Automobile coverage available when homeowners coverage is purchased
See below for coverage comparison, forms and applications.
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» Coverage Comparison
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» Forms and Applications
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| Coverage Comparison
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| Coverage Description | Industry Standard HO3 | Our Standard Program | Our Premier Program |
| Full Cost Replacement Coverage | No | Yes | Yes |
| Personal Property - Replacement Cost Coverage | No | Yes | Yes |
| Other Structures - Replacement Cost Coverage | No | Yes | Yes |
| Increased Construction Costs Required by Code Changes | Limited | Yes | Yes |
| Identity Theft Expenses | No | No | $10,000 |
| Loss of Use | Yes, with limit | Yes, with limit | Yes, no limit! |
| Loss Assessment Coverage | $1,000 | $1,000 | $50,000 |
| Cash | $200 | $200 | $2,000 |
| 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 Coverage | No | Yes | Yes |
| Premises Liability for all premises | No | Yes | Yes |
| Trailers | $1,500 | $1,500 | $3,000 |
| Watercraft | $1,500 | $1,500 | $5,000 |
| Backup of Sewers and Drains | No | Available | Yes |
| Breakage of Fragile Property | No | No | Yes |
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| 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. |
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| 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. |
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| Forms and Applications |
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