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Homeowners Insurance

LexElite® Homeowners Insurance can respond to numerous substantial and complex exposures. Flexible homeowner’s insurance coverage can be provided for mid to high-value properties, older homes, secondary/seasonal residences, rental properties (long- and short-term), builders’ risks and homes with prior losses. LexElite Excess Flood, Personal Umbrella Liability/Excess Personal Liability, or a Personal Articles Floater can be added by endorsement--opening the way to rate discounts and closing dangerous gaps in coverage.

Features and Benefits Back To Top
  • Industry-accepted ISO HO3 policy forms modified to tailor coverage for these risks
  • High dwelling coverage limits may be available
  • Wind and earthquake coverage may be available
  • Wind deductible buybacks may be available
  • Home business coverage may be available
  • "Replacement Cost," "All Risk" coverage on contents and numerous ISO endorsements may be available
  • Builders Risk policies can be converted to a full homeowners policy upon completion (optional premises liability, theft of building materials and extended coverage available)
  • Optional golf cart coverage (physical damage and liability)
  • Attractive rates and deductibles
  • Incidental business coverage and increased limits on business property endorsements may be available
  • Limited mold and pollution protection may be available
  • Mechanical breakdown coverage inclusive
  • Optional identity theft and accidental death and dismemberment coverage
 
Claims Back To Top

LexElite® claims are handled by professionals experienced in processing claims for complex personal lines exposures. The LexElite claims staff is dedicated to personal lines business. Working within personal lines helps to enhance the claims staff’s technical proficiency and allows them to provide an attention to detail that helps to ensure claims are settled efficiently and in a timely manner. LexElite claims professionals use local adjusting firms to help speed the claims settlement process. LexElite personal lines products can provide exceptionally stable solutions for personal lines exposures standard markets typically cannot or will not touch.

Homeowners Claims
Fax: (866)603-5519 
E-mail: lexingtonhomeownerproperty@chartisinsurance.com
Mail: Lexington Insurance Company 
100 Summer Street
Boston, MA 02110

Upgrade to Green Back To Top
Why provide homeowner coverage that, in the event of a loss, merely repairs or rebuilds a home to yesterday’s environmental  standards? Upgrade to GreenSM Residential from Lexington Insurance Company is for today’s environmentally conscious homeowners who, in the event of a covered loss, help to improve the energy efficiency of their home while promoting the use of environmentally sustainability resources.
LexElite Eco-Homeowner® Back To Top

LexElite Eco-Homeowner is available as an endorsement to the LexElite® homeowner policy. The endorsement adds new coverage for loss of income or extra expense resulting from physical damage to alternative energy generating systems and significantly enhances the coverage available for trees, shrubs, and plants.

Product applications are intended solely for the use of licensed surplus lines brokers. As a surplus lines insurer, Lexington Insurance Company does not accept applications directly from insureds.