Homeowners and Dwelling Insurance

Ascendant provides access to non-standard homeowners and dwelling insurance for high value properties ranging from $350,000 up to $30,000,000 (TIV) total insurable value.

Homeowners and Dwelling

Broader policy wording compared with standard homeowners and dwelling policies.

Product offerings include: HO3, HO4, HO5, HO6, DP1 and DP3 policies as well as Builder’s Risk HO3 form for primary, secondary and seasonal occupancies regardless of construction type. All protection classes including 9 & 10 are acceptable.

Coastal and non-coastal properties written with wind or ex-wind.

Optional additional coverage available:

  • Ordinance & Law
  • Replacement Cost on Personal Property
  • All Risk Personal Property Increased Special Limits of Liability
  • Extended Replacement Cost
  • Business Personal Property Home Business
  • Special Computer Coverage
  • Mold Limitation
  • Water Back-up
  • Identity Fraud Personal Injury
  • Loss Assessment
  • Watercraft
  • Golf Carts
  • Inflation Guard
  • Refrigerated Property