As a High Value Homeowners broker, you’re probably familiar with CAT deductibles that hit $500,000 or more, and no stranger to the frustrations that come with trying to place them.
1–5% |
1–10% |
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Typical Wildfire deductible: |
Typical Named Storm deductible: |
Find relief for your accounts—and yourself—with Deductible Buybacks from the High Value Homeowners Division at Kinsale.
Here’s how it works: |
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If a primary policy carries a $25,000 AOP deductible and a $500,000 Wildfire deductible, it won’t respond to a wildfire loss until the loss exceeds $500,000. However, Kinsale can issue a Wildfire-only deductible buyback policy that attaches at $25,000 with a $475,000 limit and covers the $25,000–$500,000 layer. So, on a $1,000,000 wildfire loss: |
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Insured Retention |
Buyback Policy |
Primary Policy |
Deductible Buyback policies are just one more way we build value into every High Value Homeowners account. Explore our full offerings, including:
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