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America's Internet Brokers, Inc.
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America's Internet Brokers, Inc.
Contact Us
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Coastal, Flood Zone & High Value Homes

Coastal, Flood Zone & High Value Homes Program from America's Internet Brokers, Inc.

America's Internet Brokers, Inc. offers a flexible and competitive homeowners program designed specifically for challenging risks such as coastal properties, flood zones, and high-value homes. Agents working with complex residential exposures—especially those that fall outside the appetite of standard carriers—can take advantage of our broad market access and underwriting experience. This program supports primary, secondary, and seasonal homes, even those titled in the name of a corporation or trust. Rental properties, builder’s risk, and homes located in high-risk flood or coastal zones are all eligible. We offer non-admitted solutions backed by top-tier carriers including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich.

Ideal Accounts and Appetite

This program is ideal for:
  • High-net-worth homeowners with properties valued above standard market limits
  • Properties located in coastal or flood-prone areas
  • Secondary or seasonal homes, including vacation rentals
  • Homes titled in LLCs, trusts, or corporate entities
  • Rental properties, including short-term vacation rentals
  • Builder’s risk policies for custom home construction
You might have a client with a waterfront vacation home in Florida that’s used seasonally and titled in an LLC—or a high-value custom home in a coastal flood zone in New Jersey. These are exactly the types of risks this program can accommodate.

Coverage Highlights and Advantages

Coverage is typically written on an ISO HO-3 form, with optional enhancements to meet the specific needs of your clients:
  • Replacement Cost on Contents
  • Personal Injury Coverage
  • Identity Fraud Protection
  • Personal Articles Floaters for scheduled valuables
  • Umbrella and Excess Liability options for added protection
For flood zone exposures where NFIP limits fall short, our program offers virtually unlimited coverage for buildings and contents, making it a strong solution for both single-family and multi-family dwellings, condos, and rental units.

Underwriting Notes

This is a non-admitted program, allowing for flexible underwriting and customization. While there is no published maximum for building or contents coverage, underwriting will review each risk individually. Accounts with unique features—such as older construction, limited fire protection, or corporate ownership—are considered.

States Where Coverage is Available

This program is available in the following states: AZ, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, NE, NJ, NY, NC, ND, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV.

Why Work with America's Internet Brokers, Inc.?

America's Internet Brokers, Inc. delivers niche expertise and strong market relationships to help agents place difficult residential property risks. Whether you're struggling to find coverage for a luxury coastal home, a rental in a flood zone, or a seasonal property titled in a trust, we can provide access to competitive options through our network of respected carriers. Our team understands the nuances of coastal and high-value property underwriting and will work closely with you to find the right fit for your client’s needs.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for high-value homes, coastal properties, flood zone dwellings, seasonal residences, and homes owned by corporations or trusts.

Can you write coverage for homes in high-risk flood zones?

Yes, we can provide coverage for homes in both interior and coastal flood zones, even when NFIP limits are insufficient.

Are personal articles and umbrella coverage available?

Yes, optional coverages such as Personal Articles Floaters and Umbrella or Excess Liability are available to enhance protection.

Is this program available for rental or vacation homes?

Yes, rental properties, including seasonal and vacation homes, are eligible under this program.

Which states is this program available in?

The program is available in over 35 states including FL, NJ, NY, CA, TX, and many others. Please refer to the full list above for details.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    0
  • Admitted:
    0
  • Carriers:
  • Carrier Ratings:
    A.M. Best A rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.

APPLICATIONS

  • Application
    Please complete application and fax to Mickey Romeo at 631-853-9850.

AGENCY LICENSING

Copy of brokers license, Broker Agreement, and E&O of not less than $1 million limits. Also, three years loss runs, and in some cases up to five years.
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America's Internet Brokers, Inc. has other insurance programs like Commercial Auto.