High Risk Homeowners

HO-3, HO-5, HO-8 and more…

Couch Braunsdorf, can deliver your Homeowners insurance quote in three convenient ways: online, phone and email. Receive competitive indications, accurate quotes and same-day coverage for specialty hard-to-place single family homes with 1-2 families valued $25,000 to $1,000,000. Couch Braunsdorf has access to the most competitive Homeowners insurance rates available from multiple A.M. Best “A” or better rated and non-admitted carriers. Our insurance brokerage markets have admitted carrier access for homes valued over $1,000,000. Couch Braunsdorf can help you find coverage to help protect against potential financial losses. Contact our specialists today for a quick homeowners insurance quote!


  • Three Ways to Quote: 1) Online, 2) Phone, 3) Email a Specialist
  • “A-” or better admitted and non-admitted markets (online quoting)
  • No geographical or coastal restrictions
  • Low credit scores
  • Claims history
  • Lapse in coverage
  • Coastal (writing up to the water in most states)
  • Protection classes 9 and 10
  • Homes with fire losses (with fire marshall report)
  • Homes with fuses
  • No bankruptcies, foreclosures or repossessions in the last five years
  • Discounted rates available online and over the phone for HO-3, HO-5, and HO-8, policies
  • Homes valued $1M+ will be referred to an underwriter
  • HO-3 & HO-8 forms available
  • HO-5 forms available for homes valued as low as $200,000 in some states
  • Primary, secondary, seasonal and rental
  • Protection classes 1-10
  • Hard-to-place risks, including coastal properties
  • Trusts and LLCs
  • All construction types
  • Coverage A Dwelling Property coverage for homes valued $25K – $1M
    • Property
    • Contents Replacement
    • Liability
    • Medical Payments
    • Additional Living Expenses
  • HO-3, HO-5, HO-8, DP-1, DP-3 forms

Additional Options 

  • Increased Ordinance or Law
  • Extended Replacement Cost (homes built in 1950 or newer)
  • Identity Theft
  • Personal Injury
  • Golf Cart coverage
  • Water Back-up
  • Animal Liability (no vicious breeds)

Contact an underwriter:

  • Personal Article Floater
    • Jewelry, furs, cameras, musical instruments (personal use only), silverware, golfer’s equipment, golf carts, fine art, postage stamps, rare and current coins, guns/firearms, bicycles
    • Can be written as a standalone policy or as a package policy
    • Appraisal requirements: jewelry $5,000+ and all other items $10,000
  • Earthquake – availability varies upon state and market
  • Excess Flood – not available in online quoting (Call 877-275-9578 for more information)
    • All Flood Zones (excludes COBRA and non-participating communities)
    • Single family dwellings, 1-4 family dwellings, condo and townhomes
    • Flood Zones A and V require elevation certificates for quoting
    • Up to $5,000,000 TIV
    • No restrictions on coverage limits (Can not be excess replacement cost of home. No minimum requirements)
Binding Requirements
  • Signed application, QuickHome generates a prefilled application for agents
  • Diligent effort form
  • State affidavit
  • Fire Marshal Report (required if previous fire claim)
  • Additional carrier-specific forms (depending on risk type)