---
title: Waiver of Deductible for High Value Homes
description: Waiver of deductible option in a high value homeowner's policy
---

[Stuckey & Co. Blog ](https://info.stuckey.com/blog)

# [Waiver of Deductible for High Value Homes](https://info.stuckey.com/blog/waiverofdeductible)

 Written by [Stacy Stafford](https://info.stuckey.com/blog/author/stacy-stafford) | Aug 20, 2015 2:55:44 PM

# 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.

 

#### **Opportunity:**

- 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

 

 

**Desirability:**

- 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

**Deductibles:**

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

 

 

**How to Quote:**

- Email submission to [Stacy@Stuckey.com](mailto:Stacy@Stuckey.com).

 

If you have any questions or would like a quote, please contact [Stacy@Stuckey.com](mailto:Stacy@Stuckey.com) or visit our website at Stuckey.com..

 

[View full post](https://info.stuckey.com/blog/waiverofdeductible)

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