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High Value, Coastal and Tough Homeowners Insurance Program Novatae Risk Group offers a focused High Value, Coastal and Tough Homeowners Insurance Program for brokers and agents placing complex personal property risks. Through access to Certain Underwriters at Lloyds of London, this non-admitted E&S solution targets tough-to-place accounts that fall outside the appetite of standard carriers. Program Highlights: Minimum Value: $750,000 Maximum Value: $25,000,000 Standard Liability Limit: $1,000,000 HO3 and HO5 forms available Ideal Accounts and Risk Appetite This program is built for high-net-worth clients with challenging exposures—coastal estates, homes in high wildfire zones, secondary or seasonal residences, and properties with prior loss activity. Novatae will consider accounts that standard admitted markets often decline, including corporately owned or trust-held homes and high-profile insureds. Target insureds include: High-profile individuals (entertainers, athletes, public figures) Homes held in trust or owned by corporations Accounts with prior claims or difficult loss histories Properties in protection class 9 or 10 Homes with elevated flood exposure, including V zones What's Covered — Catastrophe Exposures Earthquake (California) Brush fire / wildfire Windstorm* (including Florida Tri-State) Flood (including excess flood needs) Properties in protection class 9/10 V zone coastal flood exposures High-profile owner liability concerns Accounts with challenged claims records Corporately owned or trust-held properties Caribbean exposures Underwriting Requirements and Minimum Premiums Underwriting is individualized by risk. Premiums vary with location, construction, protective features, and exposure severity. To help the underwriters evaluate quickly, include: Completed ACORD 80 (Homeowner application) Three years of loss runs Details and final reports for any large losses Completed homeowners supplemental questionnaire Minimum premiums vary by risk; contact underwriting for program-specific thresholds. States Available This program is available in: AL, AK, AZ, CA, CO, CT, FL, GA, IL, KY, LA, MN, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, WV, WI. Why Partner with Novatae Risk Group? As a Managing General Underwriter and E&S broker, Novatae Risk Group combines specialized underwriting and direct market access to Certain Underwriters at Lloyds of London. The team emphasizes speed, flexibility, and tailored solutions that help you place and retain high-value clients where admitted markets are unavailable or unwilling to write. Working with Novatae is a good option when you need an experienced E&S partner to evaluate unique exposures, structure non-admitted placements, or manage accounts with prior losses or non-standard ownership structures. Do you need a High Value Homeowners Insurance quote? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for high-value homes with catastrophe exposures, high-profile owners, corporately owned or trust-held properties, and accounts with prior loss history. Is this program available in admitted markets?No. This program is offered on a non-admitted basis through Certain Underwriters at Lloyds of London. Can I submit a home located in a coastal V zone?Yes. The program has capacity for properties in high-risk flood zones, including V zones, provided underwriting requirements are met. What is the minimum home value required for submission?The program requires a minimum home value of $750,000. Risks up to $25,000,000 can be considered. What documents are needed to submit a risk?Required documents include the ACORD 80 application, three years of loss runs, details of any large losses, and a completed supplemental questionnaire. Need help placing an account? Connect with a market specialist.

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High Net Worth individuals face complex exposures that require more than a standard homeowners policy. Your most successful clients need tailored protection and attentive service. The Midlands High Net Worth Insurance program is built to meet those demands — offering flexible, elite-level coverage and placement support for high-value homes, autos, watercraft, collections, and excess liability. Comprehensive Coverage for Affluent Clients Midlands provides a premier High Value Homeowners policy that can be written as a monoline homeowners form or packaged with auto, watercraft, excess liability, and private collections. The program is designed to coordinate coverages so your clients receive broad protection under one streamlined placement. Count on Midlands for underwriting expertise and personalized placement assistance. Available Coverages: • Property • Contents • Valuable articles • Loss of use • Personal liability • Equipment breakdown • Earthquake • Auto • Watercraft • Excess liability • Private collections Ideal Accounts and Target Profile This program is intended for high net worth individuals and families who need tailored personal lines solutions. Typical fits include: Primary residences valued at $500,000 or more Luxury properties in Louisiana and Texas starting at $750,000 Coastal homes with minimum values of $1,000,000 Clients with multiple homes, high-end autos, collector vehicles, or valuable art, wine, or other collections You might have a client who owns a $1.5M coastal vacation home, a luxury SUV fleet, and a fine wine collection — Midlands can help you package those exposures into a coordinated program with appropriate limits and endorsements. Program Highlights and Flexibility • Minimum property value $500,000 • Louisiana & Texas minimum property value $750,000 • Coastal minimum property value $1,000,000 • Monoline or packaged policies available • Comprehensive support for high-value homes, autos, watercraft, excess liability, and collections Underwriting Notes and Minimum Premiums Midlands underwriters focus on quality risks with clear valuations and loss prevention measures. Appetite is geared toward well-maintained, documented properties and collections. Minimum property thresholds apply as noted above; premium and program specifics vary by carrier and state. Be prepared to provide detailed schedules for valuables, recent home inspections or surveys where relevant, and loss history for smooth underwriting. Available States and Market Access This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Coverage is placed with multiple carriers, and most markets are admitted, which helps with regulatory compliance and client preferences. Why Work With Midlands? As a Managing General Agency and Carrier, Midlands Management Corp brings decades of experience in high net worth personal lines. Working with Midlands gives you: Access to top-rated carriers and multiple market options Underwriters experienced with complex, high-value exposures Dedicated support through placement, endorsements, and policy servicing Flexibility to structure monoline or packaged solutions to fit client needs Midlands helps you deliver the level of protection and service affluent clients expect. For additional program details, refer to the program storefront or connect with a market specialist for placement assistance. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include homes valued at $500,000+, luxury and coastal properties at higher minimums, clients with high-end vehicles, valuable collections, or multiple residences. Can I write just the homeowners policy, or does it have to be a package?You can write a monoline homeowners policy or create a package that includes auto, excess liability, watercraft, and collections coverage depending on the client's needs. What are the minimum property value requirements?Minimums are $500,000 for most areas, $750,000 in Louisiana and Texas, and $1,000,000 for coastal properties. Which states is this program available in?The program is available in most U.S. states, including CA, TX, FL, NY, and many others. See the full state list above for details. What carriers does Midlands work with for this program?Midlands partners with multiple top-rated carriers to provide market access and flexibility for high net worth risks. Need help placing an account? Connect with a market specialist.