High value coverage now in 29 states!

High Value Coverage for High Value Homes

Key Takeaways:

• Number of $1M+ homes across the country reached record highs in 2024
• Extreme heat & severe weather don’t stop high-value sales
• Kinsale’s High Value Homeowners team now offers primary limits up to $5M in Wyoming, along with 28 other states, & up to $10M of unsupported excess in all 50 states

The proportion of $1M+ homes nationwide reached an all-time high in 2024, with significant growth in areas like Seattle, Boston, New York, Denver, and Miami. Even areas that experience extreme heat, seasonal storms, and fires are seeing an increase in high-value homes, including states like Arizona, New Jersey, Texas, and Wyoming.

As home values increase, so does the need for High Value Homeowners insurance. The first step is to find a carrier that can keep up with the demand.

Kinsale’s High Value Homeowners Division specializes in providing quick turnaround for homes with dwelling values of $1M and above, and our appetite spans a wide range of home styles, including:

• Gentleman’s Farms (or “hobby farms”)
• Historic homes
• Mansions
• Mountain homes
• Ranches
• Waterfront homes

Our proprietary coverage form provides up to $5M in primary or ground-up limits in the following states, now including Wyoming, with up to $10M in excess available in all 50.

Meet the market’s demand for High Value Homeowners’ coverage with Kinsale.

Request a quote today!

Explore the Potential of High Value Homeowners with Kinsale.