ICAT partners with select wholesale brokers to offer Non-Admitted Homeowners & Wind Only policies on behalf of ICAT Lloyd’s of London Syndicate 4242 (rated “A” by A.M. Best Company, “A+” by Fitch Ratings and “A+” by Standard & Poor’s). Our comprehensive product offers full Homeowners or Wind Only coverage for coastal Tier 1 and Tier 2 homes in the Gulf and Eastern Seaboard. This flexible solution provides many of the same features clients are accustomed to in the Admitted Market, while sophisticated underwriting & risk management allow us to offer consistent, stable capacity. Coverage A is offered for values between $100,000 and $5,000,000 with Total Insured Values up to $10,000,000. Home occupancies can be Primary, Secondary/Seasonal, Full/Short Term Rentals, as well as Builders Risk. Enhanced coverage is available for options such as Water Back-Up, Extended Replacement Cost, Increased Ordinance & Law and Increased Limits for Coverage C.