Kinsale Insurance Company
2 min read
05/18/2026

Builder’s Risk + High Value Homeowners

Kinsale is a one-stop shop for high-value residential accounts, offering Builder's Risk and Homeowners insurance coverages.

From the Groundbreaking to the Housewarming

 

Key Takeaways:

 



Our Inland Marine and High Value Homeowners teams work together to safeguard your high-value residential accounts against gaps in coverage.

During construction: Builder’s Risk

Kinsale’s Inland Marine Division delivers flexible Builders Risk with primary, excess, and quota share options for accounts of all sizes. Coverage includes:

  • Limits up to $5M primary, $10M excess
  • Prior starts
  • Wildfire-exposed dwellings & hard-to-insure locations
  • Flexible terms with 3-month, 6-month, & 12-month increments
  • Options for contractors & homeowners on a follow-form basis
Kinsale Inland Marine Construction & Builder's Risk icon

At close: High Value Homeowners coverage

When the project wraps and it’s time to move in, Kinsale’s High Value Homeowners Division is there. We specialize in homeowners coverage for single-family homes with typical dwelling values of $1M and above, including:

  • Historic properties
  • Gentleman’s farms
  • Ranches
  • Mountain & waterfront homes
  • Other unique dwelling risks
Kinsale High Value Homeowners Mansions icon

Primary and excess coverage is available with limits up to $5M and $10M respectively, with primary available in 29 states and Washington, DC, and unsupported excess in all 50. We also offer Per Occurrence Limits and DIC policy options.

 

From construction to close, keep your high-value residential accounts under one roof.

Build your quotes now!

 

Request a Builder’s Risk Quote   Request a High Value Homeowners Quote

 

Explore the Potential of Builder’s Risk + High Value Homeowners coverage with Kinsale.

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