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.

Underwriting Rules

May Effect Eligibility:

  • Risks without Central Station Fire and Burglary alarms

Prohibited Business

  • Dwellings with three or more mortgages
  • Bankruptcy/Foreclosure/Repossession within the past three years
  • Risks with any type of space heaters or wood, pellet, kerosene, or coal burning stoves as primary source of heat
  • Home daycare with pool
  • 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
  • Builders Risk/Course of Construction (refer to Dwelling Fire Program)
  • Corporate-owned property (refer to Dwelling Fire Program)
  • Farm or Ranch Properties (refer to Farm & Ranch Program)
  • More than three losses within the past three years (refer to Dwelling Fire Program)
  • Vacant or Unoccupied Properties (refer to Dwelling Fire Program)
Effective Date: 10/29/2015