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    High Value Homes Quoting


    All carriers are A.M. Best rated A or higher. Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.

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    Maximus High Value Homeowners

    If you do not have access to Maximus or the Ironshore product in Maximus, please send an email to maximussetup@nrsinsurance.com including the name of your agency, producer ID, your first and last name, and email address.

    *Online quoting available in CT, FL, GA, MA, NC, NY, NJ, RI and SC. For all other states, please contact your Account Executive.

    Limits/Coverage Available

    • Minimum Coverage A $1M
    • HO3 Coverage
    • HO5 (all risk)
    • Wind/Hail coverage deductible ranges from 2%-5% depending on the county including coastal counties
    • Automatic mold coverage up to $10K with an option to buy up to $25K
    • Ordinance or Law 10% or 25% option
    • Extended replacement cost available up to 150%
    • Blanket and Schedule Personal Articles coverage available
    • Wind mitigation credits available
    • Earthquake available
    • Water back-up policy limits $10K with option to buy up to $25K
    • Loss Assessment up to $25k

    High Value Homeowners

    Product Advantages

    • HO3 available nationwide (except AL, AK, AR, ID, IN, IA, KS, MO, ND, SD, WY)
    • In house binding authority up to $5,000,000
    • Minimum coverage A=$150,000 inland (some restrictions apply) & $500,000 coastal
    • Earthquake coverage available

    Eligible Risks

    • Homes, Estates, Trusts, LLCs, & Partnerships
    • PC 9 & PC 10
    • Primary, Secondary, Seasonal, Short/Long term rental occupancies*Builders Risk (converts to an HO3 at completion of project)