Dwelling - High Value

Take your business to new heights with this program for one to four family higher-valued residential dwellings. It is designed to give coverage options to the insured. Dwellings, condos, townhouses, seasonal/secondary, renovation and vacant dwellings are eligible for values greater than $1,000,000.

Contact your Underwriter at Sovereign or info@sovereignins.com or 800-843-0843

About Our Agency

Sovereign serves insurance professionals in New York, New Jersey, Pennsylvania & Massachusetts. All programs are not available in all states.

Underwriting Rules

May Effect Eligibility

  • More than two mortgagees
  • Liability on risks with unfenced swimming pools
  • Risks without Central Station Fire and Burglar alarms

Prohibited Business

  • Risks with any domestic, guard, or vicious animals. Prohibited dog breeds include but are not limited to Chows, Pit Bulls (Staffordshire Terrier, Bull Terrier), Dobermans, Rottweillers and Wolf Hybrids
  • Bankruptcy /Foreclosure /Repossession within past three years
  • Barns
  • Risks with four or more losses within the last three years
  • Liability on risks with daycare and swimming pools
  • Appurtenant structures without a dwelling
  • Risks with existing fire damage
  • Risks in PC 9 or 10
Effective Date: 10/29/2015