Turning a Non-Renewal Into an Opportunity: A Strategic Redesign of a Homeowner’s Insurance Program

The Situation

A Bucks County homeowner with a residence in Washington’s Crossing faced an unexpected challenge when his carrier, Plymouth Rock, declined to renew his policy. The home had an estimated replacement cost of 4 million dollars, which exceeded the carrier’s 2 million dollar limit. At the same time, he was in the middle of an open claim and was unsure how to proceed.

After reviewing his insurance program, our Personal Lines team identified several important gaps. His policy did not reflect the full replacement cost of the home. He did not have coverage for valuables. He 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 his eligibility with top tier carriers and to prevent a lapse in coverage. This decision helped position him for a stronger long term insurance solution.

We then designed a new program with Chubb that aligned with his actual needs and risk profile. The updated program included:

• Full dwelling coverage that matched the 4 million dollar replacement cost
• Dedicated coverage for valuables
• A 10 million dollar 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 dollars compared to his prior coverage.

His 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.