Written where standard markets stop
Once dwelling value, construction or contents cross a certain point, the standard homeowners panel starts declining outright.
HNW
Above a certain value a standard homeowners form stops being appropriate.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. A high-value home policy is homeowners insurance for the houses a standard form does not price well: custom-built, waterfront, hillside or wildfire-interface homes, and households with collections. It changes the rebuild terms, with agreed value fixed at binding and extended or guaranteed replacement cost. Cennairus places it with markets that write these homes: we shop it.
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A few fields — we shop it across the panel and come back with real terms. No obligation.
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Once dwelling value, construction or contents cross a certain point, the standard homeowners panel starts declining outright.
Agreed value settles the number at binding, not after a fire, so the rebuild does not turn into a negotiation over an estimate.
Home, auto, umbrella, watercraft and the collection can all sit with markets built for the same relationship, placed as the separate policies each actually is.
A current declarations page or a contents appraisal is usually enough to start — our readers pull construction, systems and protective devices from it.
Placed with carriers built for the segment, not a standard form stretched past its limit.
Jewellery, art, wine and collectibles handled as their own exposure.
Home, auto, umbrella, watercraft and collections quoted as one relationship.
Who buys it: owners of custom-built or architect-designed homes; waterfront, hillside and wildfire-interface properties; households with fine art, jewellery or wine collections; second and seasonal homes carried as a set; clients coming off a non-renewal from a standard carrier; households already buying a high-limit personal umbrella.
A high-value loss does not get adjusted like a standard one — agreed value and a carrier built for the segment mean the number was already settled before the fire, not after it.
Not one dollar figure.
Extended adds a cushion above the stated limit for cost overruns; guaranteed rebuilds regardless of final cost.
For anything scheduled individually, yes — an appraisal or a professional inventory is what the carrier prices the item against.
Year built, square footage, a replacement cost estimate, protective devices, and the prior policy or dec page if one exists.
One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.
