Overview of the Program from J.M. Wilson
J.M. Wilson’s High Value Homeowners Insurance program is designed to help independent agents place coverage for upscale residential risks. Whether your client owns a luxurious estate, a high-end condominium, or a secondary vacation home, this program offers flexible solutions with robust protection options to meet their unique needs.
Ideal Accounts and Appetite
This program is ideal for high-net-worth individuals with properties that exceed the scope of standard homeowners policies. Target risks include:
- High value single-family homes, condos, and co-ops
- Secondary residences and vacation properties
- Homes with unique architecture or custom features
You might have a client with a $1.5M lakefront home or a tech executive with a penthouse condo — both are great fits for this program.
Underwriting Notes and Service Advantages
J.M. Wilson offers fast, responsive service with a 24-hour turnaround on most quotes — often same-day. The underwriting team is friendly, experienced, and available for phone consultations, coverage questions, and financing quotes when needed. Our access to both admitted and non-admitted markets allows us to meet the needs of a wide range of clients.
Territories and Availability
This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. We represent a number of respected carriers, both admitted and non-admitted, to provide flexibility across different risks and jurisdictions.
Why Work With J.M. Wilson?
At J.M. Wilson, our philosophy is “Customers First.” That means every associate is focused on solving problems quickly and providing the best insurance solutions for your clients. With over 100 years in the industry and a strong reputation in specialty lines, we are a Managing General Agency you can rely on for high-value personal lines placements.
We currently see strong success with High Value Homeowners, Dwelling/Fire, Personal Umbrella (even for high-risk drivers), Personal Inland Marine, and In-home Business coverage. All of our personal lines markets are A-rated, ensuring quality and stability for your insureds.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for high-value homes, condos, and co-ops, including secondary and vacation properties. Homes with unique construction, custom finishes, or high replacement costs are also a good fit.
Is this program available in my state?
The program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI.
Are both admitted and non-admitted markets used?
Yes. J.M. Wilson works with a variety of carriers, both admitted and non-admitted, to help find the best fit for your client’s needs.
How quickly can I receive a quote?
Most quotes are turned around within 24 hours, with many delivered the same day.
Can this program cover business property at the residence?
Yes. The program includes coverage for business property on and off the residence premises, with higher limits available under the Premier Program and "Added Measure" endorsement.
Need help placing an account? Connect with a market specialist.