High Value, Coastal and Tough Homeowners Program
Offered by Empire Underwriters
Earthquake Catastrophe High Value Homeowners Fire High Value HomesDescription
Empire Underwriters provides agents with access to a program for high value homes nationwide. Your clients will have the flexibility, stability, choice and control that they expect from a valued partner.
Empire has partnered with the top carriers in order to provide the gold standard of personal property and casualty insurance.
Program Features:
Empire has partnered with the top carriers in order to provide the gold standard of personal property and casualty insurance.
Program Features:
- Minimum Value: $750,000
- Maximum Value: $25,000,000
- Standard Liability Limit: $1,000,000
- HO3 and HO5 Forms Available
- Application: Acord for Homeowners and any carrier Supplemental
- Policy Form: Standard Homeowner's with Catastrophe endorsements
- Underwriters: 100 % Lloyd's of London
- 12.5%
- Homeowner Acord 80
- 3 Years Loss Runs
- Details on Large Losses
- Any Comprehensive Homeowners Supplemental Questionnaire
- 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 Property (Which That Conventional Market Frowns On)
- Caribbean Exposures
Carrier Information
Lloyd’s of London
Offered By
Availability 19 states
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Covered
Not Covered
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