The Market Challenge

High-value homeowners across the United States are facing a hardening property insurance market. Rising rates, shrinking capacity, and reduced coverage options have become common. Even the most desirable risks are encountering restrictive terms and costly renewals. At the same time, reconstruction costs for luxury properties have risen dramatically, creating a greater need for adequate coverage and accurate valuation.

Our Solution

Fairmount Specialty delivers tailored property insurance solutions for high-value homeowners, offering competitively priced rates and substantial capacity for replacement cost properties valued from the tens of millions into the nine figures. Our clients are financially strong, knowledgeable about their insurance programs, and proactive in managing risk. They are well-positioned to assume meaningful retentions while benefiting from our specialized underwriting, robust loss prevention programs, and access to significant insurer and reinsurer capacity.

Who We Serve

Homeowners: Owners of ultra-high-value residences seeking comprehensive, stable coverage.

Advisors: Wealth managers, family office executives, estate attorneys, and insurance brokers seeking bespoke solutions for discerning clients.

Nationwide Reach: Capacity in all 50 states with specialized expertise in high-exposure catastrophe-prone markets including California, Florida, and select coastal and urban areas of New York.

Program Highlights

Capacity for properties valued from $10 million to more than $100 million.

Replacement cost coverage with flexible and significant deductibles.

Appetite for primary, secondary, and seasonal residences.

Expertise in wildfire, windstorm, flood, and other high-hazard exposures.

Alignment with leading carriers and global reinsurers.

Integrated risk mitigation and loss prevention services.