Private Client Homeowners Insurance

*Requires valid membership in IIABCal at time of policy placement and is subject to eligibility rules established by the insurer or general agent.
The enhanced commission may be changed or terminated at any time.

Arrowhead’s Private Client Program is designed to meet the specialized insurance needs of high-net-worth individuals seeking robust protection for their valuable homes and properties. Offered through Arrowhead General Insurance Agency, this Excess & Surplus Lines (E&S) program provides flexible, high-limit coverage tailored for primary, secondary, seasonal, and rental residences with superior construction standards and modern safety features.

Backed by A and A+ rated carriers, we offer ISO HO-3, HO-5, and DP-3 policy forms with replacement cost coverage, various water damage options, and additional protections such as ordinance or law, mold, water backup, and mechanical breakdown. Earthquake coverage is also available through our admitted and E&S markets.

To access this program, contact Riley Nokes, Lead Business Development Manager
Phone: 619-881-5531 | Email: rnokes@arrowheadgrp.com

Program Summary

• Coverage Limits: Up to $7.5M Total Insured Value (TIV) for dwellings; includes sub-limits and custom options for water damage and roof replacement.
• Additional Structures, Personal Property, and Loss of Use: Coverage up to 10%, 50% & 20% of dwelling value, respectively.
• Liability: Up to $1M, subject to underwriting.
• Deductibles: Starting at $5K with premium credit incentives for higher deductibles.
• Eligibility: Newer or updated homes, fire-resistant construction, and low wildfire exposure areas.
• Submission Options: Fast quotes (within 2 days) via Arrowhead Exchange or email. Electronic documents, direct billing, and professional inspections included.
• Ideal For: Trusts, LLCs, and clients with high-value properties and high-profile lifestyles needing individualized underwriting.