Complete application, utilizing this user-friendly template: Download here – applications completed for other carriers also welcome Helpful addition – Replacement Cost Estimator (RCE) with application Submit by email to new@jrshomeowners.com

Coverage A minimum of $800,000 (TIV not to exceed $10,000,000) Coverage B: 10% to 100% of Coverage A Coverage C: 10% to 100% of Coverage A Coverage D: $10,000 per month for twelve (12) months Secondary/seasonal homes accepted BUT must have primary home written with Jupiter Private Client Homes in a protection class 1-6

No limit on roof age – a roof schedule will be in effect until the roof is sixteen (16) years of age, at which point it will convert to ACV Exclusions – Animal Swimming pools – unfenced, diving board, or slide Gaps in coverage accepted subject to underwriting approval.

Minimum 1% AOP and water damage (non-weather) Minimum 2% wind/hail/freeze Theft – $5,000

Vacant dwellings Student housing Homes built before 1980 Homes undergoing major renovation Long and short-term rentals Secondary/seasonal homes unoccupied for more than nine (9) months Homes with solar panels Homes in Tier 1 and Tier 2 counties

Three (3) or less property losses within a five (5) year period Two (2) or less liability claims within a five (5) year period

Requirement – continuous insurance for three (3) years (exceptions subject to underwriting approval)

High Value Homeowners Insurance

Q: Construction and Condition

Must meet good construction standards. Not acceptable – wood shingle, multiple roof layers, EIFS, or asbestos siding Home (including roof) must be well-maintained and in good condition at the time of inspection

Homeowner’s Insurance of Choice

Tailored solutions for homeowner protection

Discover an innovative insurance solution tailored for single-family, high-value properties, offering coverage from $800,000 to $10,000,000. Exclusively available through our retail agency network, this surplus lines product has launched in Texas, with nationwide expansion planned. Each policy is custom-designed to meet the unique needs of high-value homeowners, providing comprehensive protection and peace of mind.

Top Tier Protection for Your Home

Jupiter Private Client understands the needs of their agents, clients, and their lenders and has carefully designed and structured its High Value Homeowners Insurance.

In today’s hardening homeowner’s insurance market, where rising premiums and stricter underwriting standards are becoming the norm, finding reliable and comprehensive coverage can be challenging. Jupiter Private Client stands out as a trusted partner, offering innovative solutions designed to navigate these market conditions. Our High Value Homeowners Insurance provides the stability and protection your clients need, making us the ideal choice for placing their insurance.

Non-admitted basis, excess & surplus program, A- VIII
Available coverage up to $10m TIV
Full concierge claims services, from adjustment to replacement

Product and Capabilities

Best in class coverage and easy point of access.

Submission Requestadmin2025-01-14T13:44:59-06:00

Submission Request

Complete application, utilizing this user-friendly template: Download here – applications completed for other carriers also welcome
Helpful addition – Replacement Cost Estimator (RCE) with application
Submit by email to new@jrshomeowners.com

Formadmin2025-01-13T14:37:07-06:00

Form

HO3

Target Marketadmin2025-01-14T14:19:37-06:00

Target Market

Coverage A minimum of $800,000 (TIV not to exceed $10,000,000)
Coverage B: 10% to 100% of Coverage A
Coverage C: 10% to 100% of Coverage A
Coverage D: $10,000 per month for twelve (12) months
Secondary/seasonal homes accepted BUT must have primary home written with Jupiter Private Client
Homes in a protection class 1-6

Key Benefitsadmin2025-01-14T14:18:56-06:00

Key Benefits

No limit on roof age – a roof schedule will be in effect until the roof is sixteen (16) years of age, at which point it will convert to ACV
Exclusions –
- Animal
- Swimming pools – unfenced, diving board, or slide
Gaps in coverage accepted subject to underwriting approval.

Deductiblesadmin2025-01-14T14:17:21-06:00

Deductibles

Minimum 1% AOP and water damage (non-weather)
Minimum 2% wind/hail/freeze
Theft – $5,000

Ineligible Risksadmin2025-01-14T14:16:43-06:00

Ineligible Risks

Vacant dwellings
Student housing
Homes built before 1980
Homes undergoing major renovation
Long and short-term rentals
Secondary/seasonal homes unoccupied for more than nine (9) months
Homes with solar panels
Homes in Tier 1 and Tier 2 counties

Loss Historyadmin2025-01-14T14:15:59-06:00

Loss History

Three (3) or less property losses within a five (5) year period
Two (2) or less liability claims within a five (5) year period

Prior Insuranceadmin2025-01-14T14:15:33-06:00

Prior Insurance

Requirement – continuous insurance for three (3) years (exceptions subject to underwriting approval)

Construction and Conditionadmin2025-01-14T14:15:08-06:00

Construction and Condition

Must meet good construction standards.
- Not acceptable – wood shingle, multiple roof layers, EIFS, or asbestos siding
Home (including roof) must be well-maintained and in good condition at the time of inspection

For more information about Jupiter Private Client, please email us at:

Info@jrshomeowners.com