Home

/

Programs

/

Jupiter Platinum Home

Jupiter Platinum Home

A private client homeowners solution for California’s most complex properties. Backed by an A.M. Best A-VIII carrier.

Coverage Limits
$750K – $25M
Total insured value
Overview

For the home that doesn’t fit a standard box.

Some homes don’t fit a standard box. They carry significant value, real exposure, and agents who need a market willing to look closely. Platinum Home is that market. It’s E&S by design, built around how these placements truly work, so homeowners are never asked to compromise.

High-Net-Worth Homeowners
Wildfire-Forward
E&S by Design
Program Appetite

What Platinum Home delivers

Coverage, pricing, and service built for California’s high-value homeowners’ market.

Meaningful coverage limits

High-net-worth homeowners covered from $750K to $25M TIV.

TIV Range
$750K–
$25M

Robust coverage for complex risks

Designed with the real-world needs of E&S placements in mind, so clients aren’t pushed into gaps they’ll discover at claim time.

Competitive pricing

Priced for today’s market gaps, especially where capacity has pulled back across California.

Wildfire-forward appetite

Built for difficult-to-place California exposures, including properties with significant wildfire exposure.

Streamlined portal

Quote, bind, and issue quickly without the usual friction.

Eligibility

Know before you submit

Eligible

Detached single-family homes in California

  • Eligible occupancies are limited to detached, single-family dwellings occupied, either a primary residence or a secondary (vacation) residence in California.
  • Eligible risks must have a minimum Dwelling Coverage (Coverage A) of $750,000 and a maximum total insured value (TIV) of $25,000,000, inclusive of Dwelling (Coverage A), Other Structures (Coverage B), Contents (Coverage C), Loss of Use (Coverage D), Ordinance and Law, and the optional Increased Dwelling Replacement Coverage (when utilized).
Ineligible

Property types we can’t write

The following property types are ineligible. The agent will confirm via system-input, insured confirms via signed application and verified via post-bind inspection. If any of these occupancies are discovered at the time of the inspection, we will cancel the policy mid-term.
  • Rented homes (short or long-term)
  • Tenant-occupied homes
  • Condos, co-ops, apartments, duplexes, and other multi-family or unit-based dwellings
  • Attached or shared-wall homes, including townhomes and rowhomes
  • Manufactured, mobile, or other factory-built homes
  • Homes under construction
  • Vacant homes
Exclusive Distribution

Ready to place Platinum Home?

Platinum Home is distributed exclusively through Risk Theory Insurance Services. Submit a request and our team will follow up with a quote.