High-Value Home Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

High-Value Home Insurance

If you’re an insurance producer looking to write more business and provide insurance solutions to your clients with high-value homes, then Prime Insurance Company is the partner for you. As a leading excess and surplus lines insurance company, Prime can write high-value home insurance with confidence.

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure families and individuals that own a house considered high-value including their luxury items and assets. Whether they need a brand new policy or if they have gaps and exclusions in their primary, homeowners, or umbrella policies, we can write a customized policy to fit their needs.

Prime has over 40 years of experience, making us one of the best high-value home insurance providers out there. Many insurance companies are turning away individuals that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients who own a high-value house.

We can help those who have been canceled, denied, or non-renewed by another insurance carrier, including those who have a claims history.

Our high-value home insurance can also cover gaps and gray areas, including the unique characteristics of high-risk homes such as coastal areas, wildfires, etc.

Coverages (listed A-Z)

  • Animal Liability
  • Collapse
  • Dwelling
  • Earthquakes
  • Fire
  • Flood
  • Other Structures
  • Personal Liability
  • Personal Property
  • Replacement Cost
  • TRU Umbrella / Excess Liability
  • Vandalism
  • Wildfires
  • Wind


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. High-value home insurance is our expertise! 

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

The Unique Needs of High-Value Homeowners

High-value homeowners have unique needs and risks which create a need for customized insurance coverage.

Here are some examples and scenarios of why your client might need high-value home insurance:

  • Your client has a property in an area with weather-related risks such as wildfires, earthquakes, and more
  • Your client has luxurious items or collections such as jewelry, art, wine, coins, antiques, exotic pets, firearms, and more
  • Your client has a vehicle considered high-end or exotic
  • Your client has a house with security guards, guard dogs, etc.
  • Your client has other high-value assets that they claim

Gaps in Homeowners Insurance

Your clients might think they are covered because they have homeowners insurance. The truth is, not every homeowner’s policy can cover what your clients think it covers. There are gaps and exclusions, especially for high-risk homes in areas that experience more fires or natural disasters.

Prime can fill the gaps with a TRU Umbrella policy that provides customized coverage on top of an existing primary policy, homeowners, policy, or even another umbrella policy. We specialize in customized insurance for risks that the standard market does not want to cover. We can help safeguard your clients, their home, and their assets.

High-Value Home Insurance Providers and Prime Insurance

Looking for the best high-value home insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company for high-value home insurance and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.

About Prime Insurance Company

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see www.ambest.com for latest ratings
**The most current Financial Stability Rating® must be verified by visiting www.demotech.com.

Get A 'High-Value Home Insurance' Quote

Prime Insurance Company provides fast quotes 24/7. Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with your high-value home insurance quote today by clicking the “Get a Quote!” button above.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.