Homeowners - High Value

Bring in valuable business with this program for one or two family homes. It is designed with a variety of coverage options for your insured. Dwellings, condominiums, and townhouses are eligible with 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.

Coverages Available

  • Homeowner Modified Coverage Form HO-8
  • Homeowner Special Form HO-3
  • Homeowner Condominium Form HO-6
  • Extended replacement cost up to 125%
  • Identity Fraud Expense-$15,000 in coverage
  • Water Back-up and Sump Discharge or Overflow up to $25,000

Coverage Options

  • Replacement Cost Coverage (Dwelling & Personal Property)
  • Extended Liability for other owned properties

Guidelines (Additional state specific guidelines may apply):

  • Insurance to value is required to be 100% of ACV or Replacement Cost, whichever applies
  • A complete, signed application is necessary to bind coverage
  • All risks are subject to an inspection with photos
Effective Date: 10/29/2015