The Pacific Coast E&S Hard-to-Place Homeowners products offer solutions for risks that are turned down by the standard markets.

This program targets:

  • Clients with loss / non-pay history
  • Older homes without updates
  • Homes under extensive renovations
  • New purchases, no prior insurance
  • Prior declinations
  • Vacant dwellings
  • Higher value homes (see High Value Homes)


  • HO-3, HO-4, HO-6, and HO-8
  • Personal Property coverage
  • Comprehensive Personal Liability
  • Personal Injury available
  • Loss Assessment
  • Water Back-Up & Sump Discharge / Overflow

Contact your underwriter for more information

Note: Certain products may be handled nationally from one Premier location

Applications relating to this product

Forms relating to this product