There are approximately 80 million owner occupied homes in the U.S.

If your client's property doesn't qualify for a standard homeowners policy, we can help. Allow us to place your ineligible homeowners risks.

Take advantage of our competitive homeowners rates and coverage options.

We provide protection for hard-to-place risks not eligible for traditional homeowners coverage such as:

Homes in disaster-prone areas:
- In a brush fire zone
- On a coastline
- In an area unprotected by a fire station
Older homes
Properties with no prior insurance coverage
Insureds with poor credit
Difficult liability exposures
Homes with business on premise
Properties with prior claims
High-value homeowners
Builders Risk (homes under renovation)
Homeowners in protection class 1-10

Our ability to tailor coverage by using a broad selection of coverage limitations and/or exclusions makes NEEE your go-to source for Homeowners insurance.

Need flood insurance? Try our Private Flood Program!