Look to us for Homeowners insurance solutions for clients with high-value, high-risk and coastal homes.

Snyder Specialty:

Serving Retail Agents throughout the Tri-State Area & Pennsylvania

Snyder Specialty, LLC, a Managing General Agency, Surplus Lines Broker, and Lloyd’s coverholder, provides insurance agents with an exclusive homeowners program for the following hard-to-place risks:

High-value properties
Coastal homes
LLC or estate-owned homes
Properties with underground tanks
Frame-construction properties
Properties with prior claims
Vacation/seasonal homes
Properties vacant part of the year
Homeowners and Dwelling Fire policies with day care exposure

Snyder Specialty provides you with the ability to write properties that you would otherwise have no markets for, expand your book of business with other policies as the homeowner insurance agent, and retain existing clients.

Standard Program Highlights

We hold the pen for our Homeowners program, enabling us to underwrite the account, quote and bind coverage in a timely manner.

Available in New York, New Jersey, Connecticut
AM Best Rating “A” Excellent – Non-Admitted
Minimum Coverage A: Dwelling Limit: $200,000
Coverage B: Other Structures: 10% of Coverage A
Coverage C: Personal Property: 50% of Coverage A
Coverage D: Loss of Use: 20% of Coverage A
Coverage E: Personal Liability: $300,000 ($500,000 & $1,000,000 available)
Coverage F: Medical Payments $5,000

Deductibles AOP Deductibles:
Under $500,000 Limit:	Minimum of $1,000
$500,000 – $999,000:	Minimum of $2,500
$1,000,000 – $2,000,000:	Minimum of $5,000
Windstorm Deductibles:
1,000 to 2500 feet	3%
2,500 feet to 5 miles	2%
5 miles to 10 miles	1%
Over 10 miles	Not Required
Valuation
Coverage A:	Replacement Cost if insured at 80% RCV
Coverage C:	Actual Cash Value (Replacement Cost available)
Secondary or Seasonal Dwellings Will underwrite coverage without primary Policy will include Warranty that heat must be maintained or water drained while unoccupied
Acceptable Loss Experience We will consider two prior losses within the past three years.

High-Value Program Highlights

We hold the pen for our Homeowners program, enabling us to underwrite the account, quote and bind coverage in a timely manner.

Available in New York, New Jersey, Connecticut
AM Best Rating “A” Excellent – Non-Admitted
Coverage Can Be on Either HO3 or HO5
Minimum Coverage A: Dwelling Limit: $800,000
Coverage B: Other Structures: 10% of Coverage A
Coverage C: Personal Property: 50% of Coverage A
Coverage D: Loss of Use: 20% of Coverage A
In addition to standard Coverage B-D, can include:
- Water backup up to $25,000
- Mold Coverage up to $25,000
- Home Systems Protection ($100,000)
- Service Line Coverage ($10,000)
- Identity Recovery Coverage ($25,000)
- Home Cyber Protection ($15,000)
Coverage E: Personal Liability: $300,000 ($500,000 & $1,000,000 available)
Coverage F: Medical Payments $5,000

Above coverages also apply to High Value Rental (DP3 Form); Corporate or LLC Named Insured acceptable.

Both the Standard and High-Value Programs also include coverage for Condominiums Unit Owners (HO6) polices and Renters Insurance (HO4) for renters of apartments and homes.

Tell Us What You Need

We’re ready to put our experience, expertise, appetite, underwriting capabilities, creativity, superior specialty insurance products, and market relationship with Lloyd’s to work for you—more important than ever in today’s increasingly challenging insurance landscape. Let our programs help protect your clients’ future.

Look to us for Homeowners insurance solutions for clients with high-value, high-risk and coastal homes.

Snyder Specialty:

Serving Retail Agents throughout the Tri-State Area & Pennsylvania

Standard Program Highlights

Secondary or Seasonal Dwellings

Acceptable Loss Experience

High-Value Program Highlights

Tell Us What You Need

Tell Us What You Need