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Waiver of Deductible for High Value Homes


Waive your deductible with a High Value Home policy!


Deductible Waiver for Large Losses Endorsement is available with a standard deductible of $25,000. This endorsement allows the deductible to be waived for a covered loss exceeding $50,000. This endorsement is not generally available through direct writers on standard policies.



  • Market space is approximately $40 Billion
  • Size of HVH market is approximately 2,500,000 homes
  • 70-80% of the HVH polices are written by direct writers
  • HVH policies offer additional coverage for EPLI, Waiver of Deductible & Wildfire Protection
  • Average premium: $25,000
  • Minimum HVH premium: $7500 - $10,000
  • Better products with preferred writers and similar price with direct writers




  • Home values of $500,000 and up
  • Minimum 3 lines of business required by AIG
  • CAT prone locations Chubb requires a minimum of $15,000 in non-CAT premium


Exposure Concerns:

1)  Brush

2)  Wave wash

3)  Flood elevation

4)  Wind and hail

5)  Earthquake


 Key Underwriting Questions:

1) Who is the applicant

2) General loss history

3) What risk measures are in place

4) Any animals with a bite history


  • $1000
  • $2500
  • $5000
  • $10,000
  • $25,000
  • $50,000
  • $100,000



How to Quote:


If you have any questions or would like a quote, please contact Stacy@Stuckey.com or visit our website at Stuckey.com..

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Topics: Blog, HIgh Value Homes, high net worth insurance

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