---
title: E&S Homeowners Program
description: E&S Homeowners Quick Reference Guide
---

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# E&S Homeowners Program

## In today’s changing market, MSI delivers reliable, competitively priced homeowners coverage backed by global reinsurers — protecting homes up to $3 million in value nationwide, including those in higher-risk areas. Our flexible deductible options help customers manage premium costs, while our industry-leading online portal makes it easy for agents to submit applications and receive instant or rapid quotes, often within 24 hours. Supported by advanced technology and experienced underwriters, we provide exceptional service through every stage of the policy. And when a covered loss occurs, our dedicated claims team acts quickly to help restore customers’ homes and peace of mind.

### **Download our Quick Reference Guides below:**

### [**E&S Affluent Homeowners**](https://resources.msimga.com/hubfs/MSI%20-%20E%26S%20Affluent%20QRG%202025.pdf?hsLang=en)

### [**E&S High-Net-Worth Homeowners**](https://resources.msimga.com/hubfs/MSI%20-%20E%26S%20High-net%20worth%20QRG%202025.pdf?hsLang=en)

#### [**E&S Mainstreet Homeowners**](https://resources.msimga.com/hubfs/Mainstreet%20QRG%202025%20(9).pdf?hsLang=en)

### **About MSI's E&S Product**

#### Available Nationwide

**![Screenshot 2025-10-22 111510](https://resources.msimga.com/hs-fs/hubfs/Screenshot%202025-10-22%20111510.png?width=364&height=204&name=Screenshot%202025-10-22%20111510.png)**

#### Coverage

- Property: Up to $3 million
- Liability: Up to $1 million
- Several deductible options up to $1 million
- Ability to cover properties in the name of an LLC or trust
- Optional flood coverage available

#### Eligibility

- Single-family primary, secondary or rental homes
- Some age restrictions may apply

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