High Value Homeowners (HO3, HO4, HO5 & HO6)

Offered by Shelly, Middlebrooks & O'Leary, Inc.

Excess Flood Homeowners HO3 Inland Marine HO6 High Value Homeowners Personal Articles Floaters HO4 HO5 High Value Home


Shelly, Middlebrooks & O'Leary offers attractively-priced coverage for complex homeowner exposures with solutions designed for the unique needs of our insureds. By combining industry standard ISO forms with our own manuscript endorsements, we are able to provide policies to fit individual needs

  • HO3 - Homeowners
  • HO4 - Homeowner contents (renters)
  • HO5 - Homeowners
  • HO6 - Homeowner unit owners (condo)
  • Personal Article Floater
  • Excess Flood
  • Coverage A limits up to $25,000,000
  • Coverage C limits up to $10,000,000
  • Coastal risks with Wind
  • Secondary/seasonal/rental dwellings acceptable
  • Homes written in the name of an LLC, corporation, or trust
  • Hard-to-place risks, such as unprotected homes, older, fully updated homes, and homes with loss history
  • Attractive deductibles options, including wind deductible buyback
  • Package policy discounts available when combining homeowners with excess flood or personal inland marine policies
Available In:
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Texas


$25M Maximum Premium

$150K Minimum Premium

Has Pen

Appointment Required

Carrier Information


Rating "A" XV

Rating By AM Best

Listing Contacts

Kellie Ballinger Underwriter

+1 more contact

Offered By

Shelly, Middlebrooks & O'Leary, Inc.

17 listings in 8 states

View Company

Downloadable Files

Availability 5 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