Ironshore Private Insurance Portfolio®

Homeowners Coverage

Ironshore Private Client Group is proud to offer one of the broadest homeowners policies available to protect the wealth and lifestyles of high-net-worth individuals and familiesThe Ironshore Private Insurance Portfolio includes a broad array of standard features not available in most homeowners policies, along with optional coverages designed to provide exceptional solutions for clients with fine homes and unique lifestyles. This all adds up to peace of mind for you and your family and comprehensive protection for your most precious possessions.

FULL REPLACEMENT COST FOR YOUR HOME • We will pay the full cost of replacing your dwelling with like quality and materials,

even if the cost exceeds the amount stated on your policy. We will also pay the additional cost of complying with any new building ordinance or law.

REPLACEMENT COST COVERAGE FOR YOUR POSSESSIONS• We also cover the cost to replace your lost or damaged covered items without

applying any reduction in value for depreciation, up to the limits shown on your policy. This includes generous special limits for certain types of valuable items such as jewelry, furs, silverware and breakage of fragile items.

ADDITIONAL LIVING EXPENSES • In the event your home is uninhabitable following a covered loss, Ironshore will cover

the cost of a comparable temporary residence for the reasonable time needed to repair or replace your home. Typical standard market policies only provide a fixed amount equal to a percentage of the home’s value.

DEDUCTIBLE REDUCTION PROGRAM* • We reward our best clients who choose a policy deductible of $2,500 or higher

by reducing their deductible by 10% for every consecutive claim-free year. The reduced deductible is then applied to the next claim. So you not only save by receiving a higher deductible credit, but may also benefit from a lower applied deductible at the time of a claim.

DEDUCTIBLE WAIVER• Ironshore will waive the deductible amount for any covered loss which exceeds

$50,000, unless the applicable deductible is greater than $50,000.

CASH SETTLEMENT OPTION• Following a covered total loss, Ironshore offers you the choice of rebuilding your

home or a cash settlement up to the limit of your policy so you can purchase or build a home at another location.

*Not available in New York.

Highlights of the homeowners policy include:

IRONSHORE PRIVATE INSURANCE PORTFOLIO®

But that’s not all. We also include a wide range of standard coverages designed with you in mind. From coverage for identity fraud expenses to paying for a loss prevention device to avoid a future recurrence of a covered loss, we go above and beyond to ensure you and your family are protected.

• $100,000 Identity Fraud Expenses

• $100,000 Loss Assessment Expenses

• $100,000 Kidnap Expenses (does not include ransom)

• $50,000 Medical Payments to Others

• $50,000 or 5%, whichever is less, Residence Premises Alteration Coverage

• $50,000 Mortgage Expenses ($2,000 for Legal costs)

• $25,000 Increased Realty Tax Assessment

• $10,000 for Ensuing Mold ($25,000 in New York)

• $10,000 Personal Computer Records Restoration

• Water back-up and Sump Overflow/Discharge up to the policy limits*

• Lock Replacement Coverage for lost/stolen keys

• $10,000 for Credit Card, Debit Card, Forgery, Counterfeit Money and Home Banking

• $10,000 or 10%, whichever is greater, Land Restoration

• $10,000 Green Coverage to rebuild/replace with environmentally certified alternatives

• $10,000 Preventative Measures

• 5% of dwelling limit for Landscaping ($5,000 per Tree, Plant or Shrub)

• $5,000 Reward Coverage

• $5,000 Pet Coverage (kenneling and/or replacement)

• $2,500 System Coverage (heating, cooling, etc.)

• $2,500 Loss Prevention Device Coverage (post-loss)

• $1,000 Tree Removal (no option to buy up, except in GA)

• Food Spoilage up to the policy limits ($5,000 limit for wine)

STANDARD COVERAGES

*Subject to the limit of insurance that applies to the damaged property. Deductibles may apply to some coverages. Standard amounts may vary by state.

Ironshore, a Liberty Mutual Company, provides broker-sourced specialty property and casualty insurance coverages for varying risks located throughout the world. Select specialty coverages are underwritten at Lloyd’s through Ironshore’s Pembroke Syndicate 4000. The Ironshore group of companies is rated A (Excellent) by A.M. Best with a Financial Size Category of Class XIV and A (Stable) by Standard & Poor’s. Pembroke Syndicate 4000 operates within Lloyd’s where the market rating is A (Excellent) by A.M. Best, AA- (Very Strong) by Fitch, and A+ (Strong) by Standard & Poor’s. For more information, please visit: www.ironshore.com.

The information contained herein is for general informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any product or service. Any description set forth herein does not include all policy terms, conditions and exclusions. Bound insurance policies, rather than summaries thereof, govern. Not all insurance coverages or products are available in all states or regions and policy terms may vary based on individual state or region requirements. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.

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OPTIONAL COVERAGES

Primary Flood Coverage*Limits of $250,000 for dwelling and $100,000 for personal property in B, C and X zones.

Excess Flood Coverage*Up to $6 million TIV – can be written over Ironshore’s primary flood policy or National Flood Insurance policy.

Home & Family Security CoverageFor expenses associated with home invasion, stalking, bullying, carjacking and more, including reward coverage. Rate of $100.

Equipment Breakdown & Service Line Coverage$1 million equipment breakdown limit, plus $25,000 in service line coverage.Rates based on TIV from $75 to $500.

Increased Limits for Trees, Shrubs and Other Plants Increases standard limit of 5% for landscaping and $5,000 per tree, shrub or other plant.

Trees, Shrubs and Other Plants – Windstorm/Hail Modifies policy to cover landscaping losses from windstorm/hail.

Sinkhole Collapse Coverage* Coverage for damage caused by sinkhole collapse.

Earthquake Coverage*With deductibles ranging from 5% to 25% (loss assessment coverage also available by endorsement).

Renovation Coverage*Provides coverage for minor renovations (increase in dwelling value of 10% or $500,000, whichever is less) or major renovations (those not qualifying as minor).

Property Remediation for Escaped Liquid Fuel*Provides $10,000 basic property coverage for damage to covered real or personal property. Also includes $50,000 liability coverage for bodily injury or property damage due to escaped fuel from a fuel system on the residence premises.

Business at Other ResidenceLiability coverage may be provided to permit incidental occupancy in an Other Residence occupied by the insured.

Other Structures – Off PremisesProvides coverage for a specified structure located at another location away from the residence premises.

Additional Insured Location Extends liability coverage to other owned locations not covered on the policy.

Increased Threshold for Incidental Business*Increases revenue threshold of $15,000 for incidental business to $25,000 or $50,000.

Increased Limits for Business Property Increases the standard limit of $25,000 up to $100,000.

Increased Limits for Ensuing Fungi, Wet or Dry Rot, or Bacteria*Policy provides $10,000 in coverage ($25,000 in NY). This endorsement can increase coverage up to the dwelling limit. Liability limit up to the policy’s liability limit at no charge.

Limited Coverage for Water Backup and Sump Overflow or DischargeA location may be endorsed to limit coverage for basement water back-up/sump overflow or discharge between $10,000 and $100,000. The policy includes coverage up to the policy limit.

Other Structures ScheduleA location may be endorsed to assign a specific coverage limit to one or more described structures at the location.

Owned Motorized Golf Cart Provides physical damage coverage for golf carts at the residence premises.

Personal Property – Increased Special Limits of InsuranceProvides increased limits for jewelry ($15,000), furs ($15,000), money/precious metals ($2,500), negotiable papers ($7,000), metalware ($30,000) and firearms ($15,000).

Watercraft Liability Extension Coverage*Limits available for $300,000, $500,000 or $1 million, plus $50,000 in Medical Payments.

Increased Limits for Tree Removal (Georgia only) Increased Limits for Business Property

*Ability to purchase coverage may be subject to underwriting review.

Not only does Ironshore offer broad, tailored coverage to suit your individual needs, but we simplify the process by combining all you need into a seamless policy coupled with the convenience of one bill. You’ve worked hard to build your wealth—choosing the right insurance protection should be easy.