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Coastal Wind Deductible Buy Down

Ethos Specialty’s Property programs provide solutions for niche parts of the market which can often be difficult to find adequate insurance protection for. One of our leading deductible solutions is Coastal Wind Deductible Buy Down which offers insureds in coastal areas a way to reduce their initial deductible in the event of a windstorm loss.

Key Facts

Coastal Wind Deductible Buy Down

Target Classes:

  • Coverage for all occupancies and builders risk projects

Insured Peril:

  • Named Windstorm
  • All Wind Coverage for locations within 2 tier counties

Maximum Policy Terms:

  • 12 Months
  • 15 Months for builders risk plus odd time

Total Insured Value:

  • $100M per location

Maximum Limit:

  • $750,000 per occurrence for frame construction
  • $1,500,000 per occurrence for superior construction
  • Schedule can be split across multiple policies

Minimum Premium:

  • $5,000

Minimum Deductible:

  • $10,000 per occurence

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© Ethos Specialty 2022

The information contained herein is offered as insurance Industry guidance and provided as an overview of current market risks and available coverages and is intended for discussion purposes only. Statements of coverage availability and scope are general in nature, subject to change and underwriting of any individual risk, and provide no guaranty or warranty of coverage, express or implied. The precise coverage afforded by any insurer is subject to the actual terms and conditions of the policies as issued. Insurance brokerage and related services are provided by Ethos Specialty Insurance Services LLC (California License No. 0M29989). The publication and delivery of the information contained herein is not intended as a solicitation for the purchase of insurance on any US risk.