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Our Solutions

Comprehensive
Homeowners
Insurance

From simple to more detailed exposures, LUX Insurance Ltd. offers extensive expertise in Wholesale Comprehensive Homeowners Insurance, providing a deep and wide-ranging grasp of the complexities of the industry.

Our team is dedicated to delivering tailored solutions for a substantial variety of Residential Property Coverage needs, ensuring that homeowners are adequately protected against risks while navigating the unique challenges that the market presents.

Primary Residential Insurance

Primary Residence

  • Owner-occupied Dwelling
  • Year-round Living
Secondary Residential Insurance

Secondary Residence

  • Vacation Homes
  • Seasonal Properties
Rental Property

Rental Residence

  • Long-Term Rentals
  • Investment Properties
  • Tenant-occupied
Short-Term Rental Properties

Short-Term Rental Properties

  • Air BnB & VRBO
  • Vacation Rentals
  • Managed STR programs
Builder’s Risk

Builder’s Risk

  • New Construction
  • Ground-up Builds
  • Course of Construction
Vacant Properties

Vacant Properties

  • Unoccupied Homes
  • Renovation Projects

3 Reasons to Choose LUX for High Value Homes Over $2M

Direct Access to Decision Makers

When you work with LUX, you interact directly with a small, senior team that knows your book, understands your clients, and takes ownership of each placement, ensuring real-time responses and accountability without being routed through call centers or layered workflows.

Lightning-Fast Turnaround Quotes

LUX delivers rapid responses for high-value placements within 24–48 hours, ensuring underwriting quality through experienced senior professionals who understand the complexities of high-value risk, coastal exposure, and specialty liability.

Personalized Attention

We recognize the importance of our long-term partnership and the agents’ reputations, which is why we provide proactive communication, thoughtful underwriting guidance, quicker resolutions, and a commitment to treating every quote with the same care as if it were our own.
high-value insurance

The Exclusive Ally for HNW Risks

  • Solutions for Every Property Type & Occupancy
  • Coverage Available from 300K – $20M TIV.
  • All Products are AM Best A-rated or Better.
Lux is a high-touch wholesale insurance brokerage that helps independent agents place business quickly and confidently. We combine competitive market access with responsive service and fast turnaround to make underwriting easier.
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