High Value, Coastal and Tough Homeowners Program

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
Commissions:
  • 12.5%
Requirements:
  • 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

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Availability

Covered
Not Covered
AK, AR, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MS, ND, NJ, NY, PA, SC, TX, VA

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