Limits start at $1,000 (based on the hurricane deductible value of the homeowners policy) and can protect homes up to a $100,000 policy limit. Additionally, a $5,000 scheduled maximum limit for other incidental, coverage is available. For example, a home that has a dwelling limit of $5 million and a two percent deductible can obtain full reimbursement protection. The coverage provided is underwritten by Lloyds. The policy provides protection for property only, and there is no liability coverage or third party protection. Pricing is based on the homeowners property underwriting; many policies will start at $200 premium. It is distributed through select Independent agents throughout Florida and Vertus will entertain new agent appointments. Vertus has deployed the CAT4Home product through technology providing typical policy issuance within two minutes. Vertus plans to launch a high value home product early in 2017, aimed at homes with values up to $5 million in value and greater.
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