What We Offer
Coverage with character
Coverage with character
Applied Home National Underwriters is bringing a new level of expertise and stability to a market plagued by escalating premiums, insurers exiting the market, and generic, outsourced services.
Applied Home National Underwriters is bringing a new level of expertise and stability to a market plagued by escalating premiums, insurers exiting the market, and generic, outsourced services.
Understanding the exceptional risks of high-value properties
Our highly specialized team of underwriters and risk consulting professionals work together to provide comprehensive protection, including:
California wildfire homeowner’s policy tailored to the homeowner’s specific needs
Non-admitted coverage for owner-occupied primary and monoline secondary homes
Coverage not limited by special wildfire deductibles or wildfire sublimits
California wildfire experts with backgrounds in wildland firefighting give input on underwriting and help homeowners develop individual mitigation plans
Non-admitted coverage for high-value homes and condos on the East Coast
Primary, secondary or seasonal, and rental properties in coastal and non-coastal areas
Endorsements are available a la carte, including water backup, mold, ID fraud, equipment breakdown, extended replacement cost, and more
Additional monoline coverage options for complex risks such as primary and excess flood and standalone private and corporate collections
Risk advisory and loss prevention consulting services from experts who specialize in high-value homes
Unparalleled expertise in developing accurate replacement costs for ultra-custom homes nationwide
Specialized knowledge of loss prevention technologies that can help prevent claims before they happen
The freedom and flexibility of non-admitted coverage
By underwriting property coverage on a non-admitted basis, we can design a customized insurance program for high-value homes in places where wildfires, and other weather events are increasingly more frequent and severe. Finding traditional, admitted coverage in these areas is becoming nearly impossible for these homeowners, forcing many to take on more risk and jeopardize their family’s assets.
Non-admitted coverage is a better option for high-value homeowner’s insurance because non-admitted carriers aren’t restricted to a state’s policy forms, rates, and requirements. Applied Home National works with global carriers that have solid financial strength (minimum A- from AM Best), highly specialized underwriting expertise, and expert services to ensure transparency and proactive loss prevention.