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homeowners insurance

Surplus lines solutions designed to safeguard homeowners and their properties.
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SPECIALTY INSURANCE TAILORED FOR YOUR CLIENTS’ DISTINCT RESIDENTIAL PROPERTY RISKS

Finding reasonably priced, comprehensive homeowners coverage for coastal properties, high-value and historic homes, short-term rentals, and similar risks can be difficult in the standard market today. With in-house binding authority and access to multiple Lloyd’s markets, DeCotis Specialty Insurance offers a fast and easy alternative to agents looking for customizable Primary and Excess Home Insurance options for clients with complex risks.

Target Classes

FOR PRIMARY AND EXCESS HOMEOWNERS

We provide our agency partners with access to Home Insurance options for a wide range of property types and ownership structures including but not limited to:

  • Primary, secondary, and seasonal homes
  • 1-4 family homes
  • Annual and short-term rentals
  • Vacant properties
  • Homes under construction (Builders Risk)
  • Spec homes
  • Condominium units
  • Homes owned by trusts, estates, LLCs, or LPs

Coverage Options

DeCotis offers various surplus lines solutions to help agents meet the needs of residential property owners.

  • Primary HO-3, HO-5, HO-6, DP-3
  • Primary and Excess Flood
  • Excess Wind and Wind Deductible Buyback
  • Earthquake Coverage

EXCESS HOMEOWNERS COVERAGE

  • Limits up to $10 million over $1 million Coverage A
  • 1-4 family homes
  • Primary, secondary, seasonal, and rental homes
  • Historic homes, hobby farms, mansions, and waterfront homes considered
  • Follow Form policy
  • Minimum premium: $750

Product Highlights

To read more product highlights, please download and save the coverage sheet.

  • No supporting business required
  • Coastal locations acceptable
  • Primary limits up to $20 million total insurable value (TIV)
  • Excess Property capacity up to $10 million
  • Wind deductibles from 2% up to 5% available
  • Ability to package Excess Flood and Scheduled Personal Property with Homeowners policies
  • Monoline Wind and Earthquake policies available
  • Customizable B, C, and D Coverage options, so clients only pay for what they need
Flyer for Decotis Specialty Insurance featuring a house image, with detailed lists of personal insurance products including homeowners insurance, rentals, condos, valuables, watercraft, and umbrella options. Contact info is displayed at the bottom.
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SUBMISSION REQUIREMENTS

Download the application that best suits your clients’ needs and any additional relevant information. Send the application to: Quotes@DeCotis.com.

A completed homeowner application form from Decotis Insurance, showing fields for applicant information, property details, coverage options—including Condo Owners Insurance—endorsements, premiums, payment plan, and underwriting details.
DOWNLOAD THE ACORD 80 — HOMEOWNER APPLICATION
An excess flood insurance application form with fields for applicant, property, mortgage, agency details, homeowners insurance information, and underwriting data such as occupancy, construction, elevation, replacement cost, and flood risk details.
DOWNLOAD THE EXCESS FLOOD APPLICATION
A residential flood insurance questionnaire form with fields for applicant information, underwriting info on past flood losses, mitigation efforts, property vacancy, and building replacement cost values—ideal for homeowners insurance; blue highlights and checkboxes throughout.
DOWNLOAD THE RESIDENTIAL FLOOD APPLICATION

GETTING A HOME INSURANCE QUOTE IS SIMPLE

Select one of the following options to request a quote for your clients’ specialty insurance needs:

Get an Online Quote
Submit an Application
Contact an Underwriter

States where
we do business

States where we do business

Northeast
  • Connecticut
  • Delaware
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont
Mid-Atlantic
  • District of Columbia
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Virginia
Southwest
  • Arizona
  • Colorado
  • New Mexico
  • Oklahoma
  • Texas

CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES

Your homeowner clients may also require these products.

Personal Umbrella and Excess Liability Insurance

Offers additional liability coverage to pay for legal defense costs, settlements, and judgments when the limits of an underlying Auto, Homeowners, Watercraft, or Recreational Vehicle policy are reached.

Learn More
Personal Articles Floater

Provides broader coverage than a standard Homeowners, Condo Owners, or Renters Insurance policy for various high-value personal items, like jewelry, fine art, designer handbags, antiques, and collectibles.

Learn More

Does DeCotis Deliver? Hear From Our Agency Partners.

The thing I love the most about DeCotis is the close-knit, family-like culture where relationships go beyond just work. With DeCotis, you’re not just another agent—you’re part of the family. Trusted expertise, personal attention, and genuine care every step of the way.
Shannon DonovanTashmoo Insurance Agency Inc
DeCotis is by far the most responsive of the carriers we work with and the most willing to work with the agents. Whether it’s simple acknowledgement on submissions, binder/invoice turnaround, or simple service requests, the service is second to none.
John DutneyBerlin Insurance Group, LLC
The DeCotis team is everything you hope for in a partner—attentive, collaborative, and always a step ahead. Their service goes beyond responsiveness; it’s the kind of relationship built on trust and a shared commitment to doing things right.
Mackenzie HanniganBayside Insurance Underwriters
We have been working with DeCotis for nearly a decade and have experienced nothing but excellent service. Their responsiveness, customer service, and expertise in the industry set them apart from other brokers. We look forward to continuing our partnership for many years to come!
Sean M. Segreve, CPCU, CIC, CISRSegreve & Hall

THE POWER OF CHOOSING DECOTIS

  • In-House Binding Authority
  • Deep Coastal Underwriting Expertise
  • Responsive Support from Experienced Underwriters
  • Customized Coverage Options
  • Access to Multiple Lloyd’s Markets
Learn More