Homeowners insurance for catastrophe-exposed homes, built for your workflow.
When coastal exposure, inland wind and hail, or wildfire risk puts a property outside your usual markets’ appetite, consider Annex. We offer HO-3 homeowners and HO-6 condominium unit-owner options for eligible risks.
Quote and bind eligible risks directly in the Annex agent portal without a separate manual underwriting referral. High Value Homeowners submissions follow the review process described below.
Direct billing, escrow billing, and premium financing simplify payment. Access Annex through the portal, supported raters, or an agency API integration.
Specialty appetite. From the coast to inland communities.
Coastal and hurricane-exposed homes
A specialty market for eligible properties that fall outside standard-market appetite because of coastal location or hurricane exposure.
Inland wind- and hail-exposed homes
Appetite beyond the coastline for eligible properties where wind and hail exposure makes homeowners coverage harder to place.
Wildfire-exposed homes
A focused appetite for moderately wildfire-exposed homes, with eligibility based on the property and applicable underwriting requirements.
See the Homeowners Product Guide for detailed eligibility and property requirements.
Coverage highlights.
An overview of key HO-3 coverages. For condominium and High Value Homeowners coverage, consult the applicable product guide.
Dwelling
Coverage to repair or rebuild the insured home following a covered loss.
Extended Replacement Cost
Provides additional rebuilding coverage above the dwelling limit when covered rebuilding costs exceed that limit, subject to applicable policy conditions and limits.
Loss of Use
Coverage for eligible additional living expenses following a covered loss.
Other Structures
Coverage for eligible structures separate from the dwelling following a covered loss.
Personal Liability
Provides coverage for claims of bodily injury and property damage sustained by others for which the insured is legally responsible.
Personal Property
Protection for the contents of the home and other personal belongings owned by the insured and their family members.
Coverage is subject to policy terms, conditions, limits, deductibles, and exclusions. Coverage options vary by product and underwriting program.
High Value Homeowners
