How the limits stack
Up to $13M
Jupiter XS · Follow-Form
+ $10M
Additional excess limit
No deductible
$3M
Underlying CA FAIR Plan or Non-CA FAIR Plan
All CA Wildfire Zones
A- (Excellent) · FSC VIII
Program Appetite
Excess capacity where California needs it most.
Built for high-value, underserved homeowners who need physical damage limits beyond what their underlying policy can provide.
Excess homeowners’ physical damage coverage for high-value, underserved homeowners
Up to an additional $10M over a $3M underlying limit
Follow-form over qualifying CA FAIR Plan and Non-CA FAIR Plan homeowner’s policies
Available in California, in all wildfire-hazard zones
Carrier rated A.M. Best A- (Excellent), Financial Size Category VIII
No deductible
Who It’s For
Built for homeowners beyond traditional limits
If your client fits any of these, Jupiter XS can sit on top of their existing policy.
High-value California homeowners who need coverage beyond traditional limits
CA FAIR Plan policyholders requiring excess coverage above $3M
Non-CA FAIR Plan homeowners seeking excess coverage above a $3M combined limit
Eligibility
Know before you submit
Coverage
Follow-form excess, simply structured.
- Excess homeowners physical damage
- Written on a follow-form basis over qualifying underlying homeowners’ policies
- Limits up to an additional $10M over the $3M underlying limit
- Available across all wildfire-hazard zones in California
Excluded Coverages
Ordinance or Law
Loss of Use / Fair Rental Value
EIFS construction
