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Recent changes in weather patterns have significantly impacted policyholders, leading to a rise in wind, hail, and named storm claims. This has placed an increased financial strain on insureds as deductibles have been raised. We are thrilled to introduce our Wind/Hail/Flood/Earthquake/Fire Deductible Buy Back program, in partnership with Lockton (London) and developed by the London 'Facilities and Binders Team' in collaboration with Aegis Syndicate at Lloyd's. Our solution addresses the financial challenges caused by increased claims, allowing insureds to 'buy down' their deductible percentage to a more manageable level. The Deductible Buy Back (DBB) policy offers: Protection from unexpected expenses: Reduces wind, hail, flood, earthquake, and named storm deductibles under an all-risk property insurance program. Compliance with lender requirements: Meets bank or lender mandates for reduced retention to satisfy financing agreements. Key Features of the DBB Policy: Covers windstorms, hurricanes, floods, and earthquakes (and Fire - New) in both coastal and inland/non-coastal areas prone to tornadoes and hail. Offers a maximum risk limit of up to $3 million. Available without minimum premium requirements. Requires a minimum retention of $5,000 per occurrence for policies with a TIV below $25 million, and $10,000 for policies with a TIV above $25 million. Applicable in all 50 states. Utilizes a follow-form structure that aligns with the overlying property policy. Accessible through our award-winning digital quote-and-bind platform. Broad coverage suitability, with proven success in condos, multi-family housing, hotels, offices, and retail spaces. Weather-Related Disasters at a Glance: 341: Number of billion-dollar disasters in the U.S. since 1980, with a total cost of $2.48 trillion. 5.3: Average number of billion-dollar disasters (severe storms, tropical cyclones, and flooding) per year since 1980. $57.8 billion: Average annual cost of these disasters since 1980. Benefits of Using Our Program: Instant access to bindable quotes and policies, saving valuable time. Customizable policy documents with white-label branding options. Sales and marketing resources to optimize business efforts. In order for us to quote we need: full address, loss history, total insured value, existing deductible amounts and buy down requirements underlying policy at bind

...s to multiple Lloyd’s of London syndicates, Insential provides flexible, modul...oring Access to multiple Lloyd’s syndicates via a knowledgeable general agen...

RISC's Home Select is a High-Value Homeowners Insurance solution tailored for homes and condos with dwelling values starting at $250,000. Built for independent agents and brokers, this program provides flexible underwriting and broad eligibility, including many locations that are traditionally difficult to place. Overview of the Program From RISC Inc. RISC Inc. is a Managing General Agency (MGA) that provides access to specialty personal lines markets. With Home Select, agents can place primary and vacation residences — including properties with complex exposure profiles or unique ownership structures. The program offers solutions for homes under construction, vacant properties, and properties owned by corporations or estates. Home Select fills a market gap for high-value homeowners who struggle to obtain coverage due to location or risk characteristics. Whether the exposure is coastal wind, wildfire, flood, or earthquake, RISC’s underwriting partners offer tailored options to help you secure placement for your clients. Ideal Accounts and Appetite Home Select is best for: Homes and condos with dwelling values of $250,000 and up Total insured values up to $10,000,000 (higher limits available by referral) Liability limits up to $1,000,000 Personal articles floater available up to $250,000 (higher limits by referral) Target risks include: Primary and seasonal/vacation residences Properties in higher-risk zones, such as: Coastal areas exposed to wind and storm surge High-wind regions Brush fire or wildfire-prone locations Flood or rising water zones Earthquake-prone areas Protection Class 9 or 10 territories Homes under construction or vacant properties Corporately- or estate-owned residences Coverage Highlights and Advantages Designed specifically to place hard-to-place, high-value homes Flexible underwriting to address specialty and high-risk exposures Access to respected carriers — Lonmar Global Risks and Sagicor Syndicate Customizable limits with referral options for larger or complex accounts Example scenarios: You might have a client with a luxury mountain retreat in a wildfire zone or an oceanfront condo used seasonally. Home Select provides underwriting pathways and carrier capacity to pursue these placements. Underwriting Notes and Minimum Premiums Many markets are written on a non-admitted basis Minimum premium starts at $1,500, subject to underwriting review Referral required for higher limits or more complex risks RISC works with agents to evaluate non-standard or high-net-worth exposures and aims for responsive turnaround on submissions. Territories and Availability The Home Select program is currently available in the following states: Arkansas (AR) Minnesota (MN) Montana (MT) Nebraska (NE) North Dakota (ND) Oklahoma (OK) Oregon (OR) South Dakota (SD) Texas (TX) Utah (UT) Wyoming (WY) Why Work With RISC Inc. on High-Value Homeowners? RISC Inc. specializes in placing challenging personal lines risks. Home Select gives agents access to underwriters experienced with high-value residential exposures and markets that will consider non-standard risks. The program emphasizes underwriting flexibility, tailored limits, and partnership with agents to find workable solutions when standard markets fall short. Contact RISC to discuss a submission and determine whether Home Select is the right fit for your client’s exposure. Frequently Asked Questions What types of accounts are a good fit for this program?Homes or condos valued over $250,000 — including properties in higher-risk locations or those owned by trusts, corporations, or estates — are strong candidates for Home Select. Can this program insure vacation homes or secondary residences?Yes. Home Select covers both primary and vacation/seasonal residences, including coastal and wildfire-prone properties when they meet underwriting criteria. What is the minimum premium for this program?The minimum premium begins at $1,500, subject to underwriting and the specific risk characteristics of the account. Are higher limits available for property or personal articles coverage?Yes. Total insured values can reach $10 million and higher limits for property and personal articles are available by referral depending on the exposure. Which carriers support this program?Home Select is supported by Lonmar Global Risks and Sagicor Syndicate, providing market capacity for specialty personal lines placements. Need help placing an account? Connect with a market specialist.