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HOMEOWNERS INSURANCE RISKS Jacobs & Associates offers a flexible, non-admitted Homeowners Insurance program designed for agents and brokers seeking solutions for standard and high-value residential risks in Ohio. As an Excess & Surplus Lines Broker with access to Scottsdale Surplus Lines Insurance Company, we can help you place hard-to-place accounts, including properties that fall outside traditional underwriting guidelines. Ideal Accounts and Appetite This program is ideal for: High-value homes with coverage needs exceeding $1,000,000 Properties with prior loss history or unique construction types Homes with in-home businesses or special coverage needs Clients requiring Personal Inland Marine coverage for valuables like jewelry, fine art, or furs You might have a client with a waterfront property that includes a home-based consulting business and valuable personal items. This program can offer the flexibility to meet their comprehensive coverage needs. Coverage Highlights and Advantages High-Value Homeowners Coverage: Options for homes valued over $1 million In-Home Business Endorsements: Extend protection to eligible home business operations Personal Inland Marine: Coverage for high-end personal property such as jewelry, antiques, and collectibles Inland Marine and Additional Structures: Flexible options for custom properties Underwriting Notes and Submission Requirements To expedite underwriting and improve your chances of placement, please include the following with your submission: Complete named insured, occupation, and risk location Requested coverage forms and program type Occupancy type and number of families Prior carrier details, loss history, and policy term Protection class and construction type Year built and details on any updates Square footage and distance to water for coastal properties Details on bankruptcy, foreclosure, or adverse credit, if any Swimming pool security and animal (dog breed, etc.) information Desired coverage limits Territories and Availability This Homeowners Insurance program is currently available in Ohio. All policies are written on a non-admitted basis through Scottsdale Surplus Lines Insurance Company. Why Work With Jacobs & Associates Jacobs & Associates brings deep expertise in placing non-standard and high-value homeowners risks. As an experienced Excess & Surplus Lines Broker, we understand the challenges agents face when traditional carriers decline to quote or restrict coverage. Our team offers responsive service, market access, and underwriting insight to help you serve your clients with confidence. Frequently Asked Questions What types of accounts are a good fit for this Homeowners Insurance program?Ideal accounts include high-value homes over $1 million, properties with prior losses, homes with in-home businesses, and clients needing Personal Inland Marine coverage. Is this program admitted or non-admitted?This program is written on a non-admitted basis through Scottsdale Surplus Lines Insurance Company. Which states is this program available in?Currently, this program is available exclusively in Ohio. Can I add coverage for valuables like jewelry and fine art?Yes, Personal Inland Marine coverage can be added to cover items such as jewelry, fine arts, and furs. What information should I include in my submission?Include details such as insured name, risk location, prior carrier and losses, construction type, occupancy, year built, square footage, and any underwriting concerns like pool security or animal exposure. Need help placing an account? Connect with a market specialist.