High Value Homeowners Insurance from Continental Risk / Continental Marine Insurance Services
Continental Risk / Continental Marine Insurance Services offers a flexible and competitive High Value Homeowners Insurance program designed to help agents and brokers place coverage for affluent clients with unique or complex property exposures. With access to both admitted and non-admitted markets, we can help you find the right solution for clients whose properties exceed traditional homeowners insurance limits or fall outside standard underwriting guidelines.
Ideal Accounts and Appetite
This program is best suited for high net worth individuals who own primary, secondary, or seasonal homes with high replacement cost values, often located in areas with increased exposure such as wildfire zones, coastal regions, or hurricane-prone territories.
We consider all dwelling types (excluding working farms), including luxury estates, vacation homes, and custom-built residences. All construction types are considered, though certain restrictions may apply for properties located in catastrophe-prone areas.
Examples of ideal accounts include:
- A $2.5M beachfront vacation home in Florida requiring windstorm and flood considerations.
- A luxury modern home in California’s wildfire zone needing higher dwelling limits and extended replacement cost coverage options.
Coverage Highlights and Advantages
Our High Value Homeowners Insurance markets offer:
- Coverage A limits starting at $500,000, with Total Insured Values up to $10,000,000.
- Protection for a variety of dwelling types and occupancy structures.
- Access to both admitted and non-admitted options, depending on the risk and location.
- Competitive solutions for challenging territories and unique property characteristics.
Underwriting Notes and Minimum Premiums
All submissions must include completed ACORD applications. Please email submissions to [email protected] for quoting. Minimum premiums vary depending on the location, dwelling value, and coverage requirements. We recommend contacting our underwriting team early to discuss any unusual risks or exposures.
Territories and Availability
We offer High Value Homeowners Insurance coverage across all U.S. states and territories, subject to aggregate availability in catastrophe-prone regions. This includes high-risk states such as California, Florida, Texas, Louisiana, and New York, among others. Our broad geographic reach allows you to serve clients with complex property portfolios in multiple states.
Why Work With Continental Risk / Continental Marine Insurance Services?
As a trusted General Agency and Excess & Surplus Lines Broker, Continental Risk / Continental Marine Insurance Services brings extensive expertise in placing hard-to-insure risks. We work closely with a range of carriers to offer flexible and responsive solutions tailored to high-value homeowner clients. Our team is committed to helping agents and brokers succeed with fast turnarounds, expert underwriting support, and access to niche markets.
If you’re ready to explore options for your high-value homeowner clients, contact our office at 866-699-2747 or send your submission to [email protected].
Frequently Asked Questions
What types of accounts are a good fit for this program?
High net worth individuals with homes valued at $500,000 or more, especially those in catastrophe-prone or high-value areas, are ideal for this program.
Do you offer coverage in catastrophe-prone areas?
Yes, we can provide coverage in catastrophe-prone regions, including coastal and wildfire zones, subject to aggregate availability and underwriting guidelines.
Are both admitted and non-admitted markets available?
Yes, we offer access to both admitted and non-admitted markets depending on the location and risk profile of the property.
What documentation is required for a quote?
We require completed ACORD applications submitted to [email protected] to begin the quoting process.
Can I place secondary or seasonal homes through this program?
Yes, we consider primary, secondary, seasonal, and vacation homes, provided they meet the program’s underwriting criteria.
Need help placing an account? Connect with a market specialist.