Hard-to-Place Homeowners coverage, including:
- Hard-to-Place Homes (Homes valued at $200,000 and up)
- Coastal Properties
- Homes Under Construction
- Vacant Dwellings
- Homes with adverse loss experience
- Dwellings rented to others
- Insureds with poor credit scores
- Protection Class 9 and 10
High-Value Homeowners Coverage for homes valued at $500,000 or more.
- Home- Full Cost Replacement Coverage*
- Personal Property – Replacement Cost Coverage*
- Breakage Of Unscheduled Personal Property
- Other Structures- Replacement Cost Coverage
- Increased Construction Costs Required By Code Changes
- Deductible Waived On Losses Exceeding $50,000
* Cash settlement option available.

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