High Value Home Insurance Program from WCIS
Wholesale Connection Insurance Services (WCIS) is the exclusive Underwriting Manager for Aspen Specialty Insurance Company’s High Value Homeowners program in California, Arizona, and Nevada. This non-admitted program is designed specifically for affluent homeowners and their unique insurance needs, offering broad coverage solutions and responsive underwriting.
Aspen Specialty Insurance Company is a financially strong carrier, rated:
- A (Excellent) XV by AM Best
- A (Strong) by Standard & Poor’s
- A2 (Good) by Moody’s
Ideal Accounts and Program Appetite
This program is tailored for luxury and high-net-worth residences, including:
- Primary homes valued at $1,000,000 and above
- Major estates with values up to and exceeding $30,000,000
- Secondary residences and vacation homes
- Builder’s risk policies for high-value residential projects
You might have a client with a multimillion-dollar custom home in Napa Valley or a desert estate in Scottsdale—this program is built for those types of properties.
Coverage Highlights and Advantages
- Homeowners coverage with limits up to $30 million or higher
- Optional earthquake coverage with limits up to $15 million
- Stand-alone earthquake coverage also available up to $15 million
- Flexible options for secondary homes and builder’s risk exposures
- Same-day quote turnaround on submissions with ACORD forms
WCIS understands the unique exposures that high-value homeowners face and offers tailored solutions that address those needs, including expanded replacement cost, high personal liability limits, and protection for fine art and collectibles.
Underwriting Notes
Submissions must include completed ACORD applications. WCIS provides fast, knowledgeable underwriting support and can often return quotes the same day. While there is no published minimum premium, accounts are individually underwritten based on risk characteristics and coverage limits.
Territories and Availability
This program is available in the following states:
- California
- Arizona
- Nevada
Note: The program is written on a non-admitted basis in all states.
Why Work with WCIS?
WCIS specializes in niche personal lines programs and offers exclusive access to Aspen Specialty’s high-value homeowners solution. As a Managing General Agency, WCIS brings deep expertise, fast turnaround, and personalized service. Whether you’re looking to place a complex estate or find earthquake coverage for a luxury property, WCIS is equipped to help you find the right fit for your client’s needs.
To learn more or submit a risk, contact Chris Nitz at [email protected] or Yul Hur at [email protected].
[ Aspen Specialty California Homeowners Program
Factsheet (pdf) ]