High Value, Coastal and Tough Homeowners Program
Offered by Empire Underwriters
Earthquake Catastrophe High Value Homeowners Fire High Value HomesDescription
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
Details
Carrier Information
Lloyd's of London
Offered By

Availability 19 states
Covered
Not Covered