High valued homeowners


Available via our online platform we provide insurance solutions for high valued homeowners across all 50 States. Our rating structure means we provide a genuine alternative to your local markets.

Our high valued homeowners proposition offers cover to individuals, partnerships, joint ventures, corporations, limited liability companies and trusts.


Scope of cover

  • Dwellings valued at replacement cost of $500,000 and higher.
  • All Risk or Named Perils policies.
  • $1,000,000 personal liability.
  • HO3, HO4, HO5, HO6, DP1, DP3 forms available.
  • Full replacement cost on Dwelling & Contents.

Optional coverages available include:

  • All Risk Contents, Extended Replacement Cost on Dwelling, Ordinance & Law, Water/Sewer Back-up.
  • Personal injury, identity fraud, increased limits.
  • Limits for fine arts & jewellery available.
  • Identity Theft Recovery – providing cover for expense reimbursement, $25,000 Annual Aggregate Limit plus access to a professional identity restoration firm for victims.
  • Equipment Breakdown for physical damage to covered equipment.
  • Service Line Coverage.


  • Up to $50m any one location in non-catastrophe areas (higher limits can be placed).
  • Up to $20m any one location in catastrophe areas (higher limits can be placed).


Commission rates

  • We offer competitive commission rates.


Further benefits to you

  • 24/7 access – our cloud based system means you have access to quotes anytime, anywhere without the need to email a submission.
  • Peace of mind from using our experienced underwriting team.
  • Excellent service levels – we aim to get back to you within 24 hours.
  • The security of being backed by A rated Lloyd’s capacity.
  • Fast and efficient claims handling service.
  • A flexible approach to price and coverage that’s right for you and your client.

Contact us today

Jenny Mackay
Head of North American Property Division
+44 (0)20 8148 2653

David Lee
Head of Underwriting – Personal Lines
+44 (0)20 8148 2654

Joshua Prinn
Trainee Underwriter
+44 (0)20 8148 2658

Tom Osborne
Trainee Underwriter
+44 (0)20 8148 2659

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