Skip to main content

Coastal Homeowners Coverage

The ICAT Coastal Homeowners product offers multi-peril coverage in the Gulf, Florida, and Eastern Seaboard.

Coastal Homeowners Coverage

The ICAT Homeowners product is offered through ICAT Online. Accounts are underwritten on behalf of Victor Insurance Exchange. This flexible solution provides many of the same features clients are accustomed to in the admitted market, while sophisticated underwriting and risk management allow us to offer consistent, stable capacity.

Eligibility and Appetite

ICAT Homeowners coverage is a non-admitted product available in Alabama, Connecticut, Delaware, Florida, Georgia, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Hampshire, New Jersey, North Carolina, Rhode Island, South Carolina, Texas and Virginia.

Home occupancies can be primary, secondary/seasonal, full-time tenant or short-term rentals. Enhanced coverage is available for options such as Water Back-Up, Extended Replacement Cost, Equipment Breakdown and Increased Limits for Coverage C. 

ICAT Coastal Homeowners Coverage

The ICAT Homeowners product offers peace of mind for homeowners in catastrophe prone areas of the United States. 

Superior Claims Handling

Founded in 2005, Boulder Claims is a wholly-owned subsidiary of ICAT and provides comprehensive claims services on claims from policies underwritten by ICAT. Our service is seamless with our state-of-the-art electronic claims administrative technology. Boulder Claims has successfully adjusted and settled more than 43,000 commercial and residential claims, issued over $3.4B in payments to restore insureds’ lives and businesses, and handled over 70 events.

Log into ICAT Online

ICAT Online, ICAT's online quoting and underwriting system is available to our agents and brokers 24/7. ICAT Online is your one-stop shop for getting instant quotes, accessing tools and resources, and utilizing our chat for quick answers to all of your questions. Log into ICAT Online to get a quote in minutes! 

man on laptop smiling

Get Appointed

Are you a broker or agent? Learn more about getting appointed with ICAT.

Discover Our Products

We are proud of the service, products and stability we offer our agents and brokers. Through hurricanes, wind and hail or earthquakes, you can build the right policy for your client, every time.

Commercial All Risk Including Wind

ICAT offers All Other Perils coverage to commercial property owners and tenants in the Gulf, Florida, Eastern Seaboard and Hawaii. Wind/Hail Only coverage may be available in some areas on a Named Peril basis. 

Commercial Earthquake

Commercial Earthquake coverage is offered to commercial property owners in the Western United States and in the New Madrid states.

Coastal Homeowners

The ICAT Homeowners product is a Non-Admitted Homeowners product offering full Homeowners coverage for coastal Tier 1 and Tier 2 homes in the Gulf and Eastern Seaboard.

Residential Hurricane

Residential Hurricane coverage is offered to residential property owners in Hawaii. Coverage is written on an admitted basis using a Named Peril form.