Homeowner's Insurance


On the surface, Homeowner's policies look very similar, but to our trained staff, they are as different as night and day. Many agents still use the standard “HO3” policy form. At Top Drawer Insurance, we always provide you the option of using the enhanced “HO5” policy form. An HO3 policy form provides all risk perils (with limited exclusions) on the dwelling, named perils on the contents, with low sublimits under the Special Limits of Liability section. An HO5 policy form provides all risk perils (with limited exclusions) on both the dwelling and contents, with higher sublimits under the Special Limits of Liability section. Many times, we can add the HO5 policy form, increase the dwelling limit, and save our clients money.

Our clients have homes with replacement values between $200,000 and $10,000,000. Two of our companies specialize in high net worth clients and the replacement value can be as high as $50,000,000. They will also write personal liability umbrella’s up to $50,000,000.

We look forward to showing you Top Drawer service.

Following is a short list of the coverage’s we can provide to meet your individual needs:


  • Up to 200% extended replacement cost for your dwelling
  • Expenses to live elsewhere after a covered loss
  • Worldwide personal liability protection
  • Valuable personal collections. Appraisals usually not required.
  • Earthquake Insurance
  • Landslide Insurance
  • Flood Insurance
  • Vacancy Clauses
  • Aircraft
  • Stand alone Earthquake
  • Valuable Items (Jewelry, collectables)
  • Recreational Vehicles
  • Umbrella Liability


The process of quoting homeowners insurance is simple. After first assessing your insurance requirements we tailor a policy with the correct company, or companies that offers exceptional coverage at the lowest possible price We will explain what you had and compare it to what we are offering. Please give one of our experts a call at 800-335-1363, extension 1.

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