Turning a Non-Renewal Into an Opportunity: A Strategic Redesign of a Homeowner’s Insurance Program
Dec 8, 2025
The Situation
A Bucks County homeowner with a residence in Washington’s Crossing faced an unexpected challenge when their carrier, Plymouth Rock, declined to renew their policy. The home had an estimated replacement cost of $4 million, which exceeded the carrier’s $2 million limit. At the same time, they were in the middle of an open claim and was unsure how to proceed.
After reviewing their insurance program, our Personal Lines team identified several important gaps. Their policy did not reflect the full replacement cost of the home. They did not have coverage for valuables. They also did not have excess liability protection, which left significant areas of exposure.
JKJ’s Recommended Strategy
Our team advised the client to withdraw the open claim to improve their eligibility with top tier carriers and to prevent a lapse in coverage. This decision helped position them for a stronger long term insurance solution.
We then designed a new program with Chubb that aligned with their actual needs and risk profile. The updated program included:
- Full dwelling coverage that matched the $4 million replacement cost
- Dedicated coverage for valuables
- A $10 million umbrella policy
- A simplified structure with one carrier and one point of contact through JKJ
Clear Results and Long Term Benefits
The client now has more complete protection and greater peace of mind. The new program also resulted in annual savings of $23,000 compared to their prior coverage.
Their secondary home in Sea Isle is now placed with Chubb as well, creating a consistent and coordinated personal insurance program across all properties.
Client Feedback
“Erica is knowledgeable, proactive, and a true advocate for her clients. I am so grateful for her guidance and highly recommend her to anyone seeking personal insurance advice.”
This case reflects how a proactive, thoughtful approach can help clients navigate unexpected challenges and strengthen their overall protection.