High Risk Homeowners

HO-3, HO-5, HO-6, HO-8 and more…

Couch Braunsdorf can provide a High-Value Home insurance quote in three convenient ways: online, phone and email. We offer access to the most competitive non-standard personal lines carriers with local real estate expertise. If your client’s home is ineligible for a standard carrier, our experienced sales team is ready to lend support with multiple E&S solutions. Contact Couch Braunsdorf High-Value Home insurance specialists today to learn more about our coverage options.


  • Three Ways to Quote: 1) Online, 2) Phone, 3) Email a Specialist
    • Cannot write wind only via online quoting platform
  • A- or better rated admitted and non-admitted markets (admitted markets not available online)
  • Online quoting: valued $250,000 up to $1M (homes valued $1M+ will be referred to an underwriter)
  • Coastal properties
  • Wind mitigation credits available
  • Tailored coverage and limits to meet the needs of high-end clients
  • Primary, Secondary, Seasonal Homeowners, Rentals, Builders’ Risk and Vacant
  • Short-Term Rentals
  • Coastal Properties right up to the water
  • Unprotected Rating Classes (9&10)
  • Can write with Wind, Ex-Wind or Wind-Only
  • Older homes with updates
  • Non-renewed homes with losses
  • HO-3, HO-5, HO-6, HO-8
  • DP-1 and DP-3
  • Umbrella
  • Excess Flood
  • And more!

Some products may only be available through a Couch Braunsdorf underwriter.

Binding Requirements
  • Signed application
  • Diligent effort form
  • State affidavit (if applicable)