High Value, Coastal and Tough Homeowners Program

Offered by Empire Underwriters

Earthquake Catastrophe High Value Homeowners Fire High Value Homes


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:
  • Minimum Value: $750,000
  • Maximum Value: $25,000,000
  • Standard Liability Limit: $1,000,000
  • HO3 and HO5 Forms Available
Program Highlights:
  • 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
What's Covered: Catastrophe Exposures
  • 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

Empire Underwriters

19 listings in 50 states + DC

View Company

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


Not Covered

Share This Listing

Contact This Company