High Value Homeowners

Policy Structure:

PRIMARY

• Proprietary coverage form similar to HO3
• Coverage available on a primary or ground-up basis

EXCESS

• Follow-Form Excess available on an unsupported basis
• Can sit in excess of sublimits on the primary coverage
• No deductible buy-backs

Capacity:

• Up to $5M primary capacity
• Up to $10M excess capacity (unsupported only)

Submission Requirements:

• Broker specifications
  • Effective date
  • Requested coverage & perils, including Statement of Values or ACORD 80
  • Underlying terms, if requesting excess
• Completed Kinsale HV supplemental application
• Five-year loss summary

Coverage Territory:

• Excess coverage available in all 50 states
• Primary coverage available in AL, AZ, CA, CO, DE, FL, GA, ID, IL, KY, LA, MA, MS, NC, NJ, NV, NY, OR, PA, SC, TN, TX, UT, VA, and WA
  • All states planned for 2024