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Personal Lines

Homeowners? Dwelling? Vacation Rental? Bed & Breakfast? Yeah, we can do that.

Just because your hard-to-place account is an HO3, Dwelling Fire, or unique Personal Umbrella, doesn’t mean you have to place it in the Fair Plan or turn it away.

We specialize in finding creative and flexible solutions for unique Personal Lines risks. Our brokers and underwriters have access to multiple markets that offer a wide range of Personal Lines products that can be customized to address unique exposures. Our experienced and knowledgeable staff is always available to assist you with questions or concerns.

Our Personal Lines offerings include:

Homeowners & Dwelling

Whether it’s primary, secondary, seasonal, coastal, 1-4 families, a rental or a high valued home with or without losses – we have a personal lines solution. We regularly write beach front homes and condos and have many different options to custom tailor coverage for your clients.

Submission Requirements

  • Homeowners or Dwelling Fire Application
  • 5-year loss runs if applicable
  • Risk specific supplements may be required (Habitational; Unprotected Dwelling; etc)

Highlights

  • Coverage A from $150,000 and up
  • Primary support not required
  • ISO Percentages not required on Cov B, C & D (only pay for what you need)
  • No requirement on distance to coast (direct waterfront is OK)
  • Water Backup, ID Fraud Expense, Quake, Increased Ordinance or Law available
  • Loss Assessment, Animal Liability, Food Spoilage also available
  • Scheduled personal property available (jewelry, golf clubs, artwork, etc.)

Target Classes

  • Primary homes
  • Secondary or Seasonal homes (Primary Support not required)
  • Short Term & Long Term Rental Exposures
  • Bed & Breakfast risks (must be owner occupied & less than 10 rooms)
  • Coastal or Beachfront homes are OK (we can also provide Flood or Excess Flood)
  • Policies available in the name of Trusts, LP’s, FP’s, Estates or LLC’s

Condominiums

Whether your insured’s condo is primary, secondary, seasonal, coastal or a rental unit with losses – we have a personal lines solution. We regularly write waterfront condos and have many different options to custom tailor coverage for your clients. Please consider us for your condominium risks.

Submission Requirements

  • ACORD or other carrier’s Application
  • 5 Years of currently valued Loss Runs
  • Risk specific supplements may be required (Habitational; Unprotected Dwelling; etc)

Highlights

  • No requirement on distance to coast (direct waterfront is OK)
  • Replacement Cost on contents is available
  • Special Coverage for A & C are available
  • Water Backup, ID Fraud Expense, Increased Loss Assessment

Target Classes

  • Primary homes
  • Secondary or Seasonal homes (Primary Support not required)
  • Annual or Short Term Rentals
  • Coastal exposure OK (we can also provide Flood or Excess Flood)
  • Policies available in the name of Trusts, LP’s, FP’s, Estates or LLC’s

Builders Risk (residential)

We can schedule any manner of personal items where standard ISO Form coverage sub-limits fall short. If your clients have high limit items that should be scheduled in order to get full limit coverage, we can help. Anything from art collections, antiques, silverware, golf clubs, sports memorabilia…the list goes on. Call us first.

Submission Requirements

  • ACORD or other carrier’s Homeowners Application
  • Builders Risk Supplemental Application
  • Proof of Licensed & Insured General Contractor on project
  • 5 Years of currently valued Loss Runs (if applicable)

Highlights

  • Minimum Coverage A of $150,000 (varies by state)
  • Liability Limits up to $500,000
  • No requirement on distance to coast (direct waterfront is OK)
  • Theft of Building Materials & Builders Risk Extended coverages available
  • 12-month terms available
  • Policy can be converted to a Homeowners policy upon completion of construction

Target Classes

  • Ground up construction projects
  • Large or Small Renovation Projects
  • Coastal exposure OK (we can also provide Flood or Excess Flood)
  • Mid-Term Projects are OK (continuous coverage required)

Personal Article Floater

We can schedule any manner of personal items where standard ISO Form coverage sub-limits fall short. If your clients have high limit items that should be scheduled in order to get full limit coverage, we can help. Anything from art collections, antiques, silverware, golf clubs, sports memorabilia…the list goes on. Call us first.

Submission Requirements

  • ACORD or Other Carrier Personal Article Floater Application
  • Include a full description of items to be covered
  • Current appraisals, receipts or bill of sale from within the last 3 years required
  • 5 years of currently valued Loss Runs

Highlights

  • Can be offered as a package with a homeowners or stand alone
  • Up to $5M TIV

Target Classes

  • Unique or High Limit Personal Property
  • Art Collections
  • Jewelry, Furs, Silverware
  • Antiques
  • Firearms, Cameras, Golf Clubs, Musical Instruments

Personal Liability

Sometimes, coverage and liability limits provided by a primary policy aren’t adequate. And in some cases, such a policy many not even exist. The solution? Enter the stand alone Comprehensive Personal Liability policy – insureds can now buy additional liability coverage for a myriad of different exposures.

Submission Requirements

  • Comprehensive Personal Liability Application
  • 5 years of currently valued Loss Runs (if applicable)

Highlights

  • Limits of $1,000,000 available (Primary)
  • Limits of up to $5,000,000 (Excess)
  • $5,000 Medical Payments available
  • Personal Injury included in policy form
  • Individuals, Trusts, Estates, LP’s, LLC’s and Family Partnerships written as Named Insured

Target Classes

  • Owner or Tenant occupied 1 – 4 family dwellings
  • Coverage for vacant land
  • Condo Unit Owners, Secondary or Seasonal residences
  • High net worth or High Profile Celebrity applicants
  • Short-term Rentals

Personal Umbrella

Give your personal lines clients the options to make their coverage better by providing a quote for an umbrella or excess policy. High Net Worth individuals, families with auto policies that have teenage drivers, or your personal lines clients with small and large boats – all can benefit from an extra layer of coverage. We can provide extra protection options in almost any circumstance.

Submission Requirements

  • ACORD or other carrier’s Umbrella Application
  • 5 years of currently valued Loss Runs for underlying policies
  • Motor Vehicle Records (MVRs)
  • Copies of underlying policies required at binding

Highlights

  • Liability Limits of $10,000,000 available
  • Up to $1,000,000 excess coverage available for uninsured/underinsured motorists
  • No supporting business is required to write
  • No self-insured retention
  • Definition of Bodily Injury can include Mental Injury, Mental Anguish, Humiliation & Shock
  • Unlimited number of drivers or autos

Target Classes

  • High Net Worth individuals and families
  • Families that have auto policies with teenage/young drivers
  • Households that have auto policies with an active loss history
  • Trusts, LLCs, LLPs, LPs, Estates, and Family Partnerships

Primary & Excess Flood

Don’t like your flood insurance premium? We can write primary and excess coverage. Our primary flood coverage is London-based paper, competes with NFIP, and has no limits restriction like the NFIP. Our excess flood coverage is available from domestic and London-based carriers, sits over NFIP/other carrier flood policy, and provides a balance of TIV limit not covered by the primary flood policy.

Submission Requirements

  • Residential Flood Application (for Primary Flood)
  • Residential Excess Flood Questionnaire (for Excess Flood)
  • Copy of primary flood terms/policy if applying for excess
  • Flood certificates and inspections

Highlights

  • No Limits restrictions like the NFIP plan
  • Excess flood available as a package with homeowners

Target Classes

  • High Value accounts
  • Coastal Habitational
  • Risks built on stilts or over water considered
  • Ground up, rehabs, and renovations

Vacant (Residential)

We write where the standard markets won’t. If you have a client that has a vacant home due to it being up for sale or perhaps a long renovation/rehab project, we can help. We have many different forms and endorsements available to assist in finding the right solution for your insured. And if it’s waterfront or on the beach? No problem – give us a call and talk to our personal lines staff.

Submission Requirements

  • ACORD HO, DP, or other carrier’s Homeowners Application
  • Supplemental app needed for renovation projects
  • 5 years of currently valued Loss Runs

Highlights

  • Coverage offered on a dwelling fire form
  • No requirement on distance to coast (direct waterfront is OK)
  • Special Coverage & Replacement Cost are available
  • 3, 6, or 12-month terms available

Target Classes

  • Vacant Dwellings
  • Unoccupied Dwellings undergoing renovations
  • Coastal exposure OK (we can also provide Flood or Excess Flood)
  • Property only or Property & Liability Coverage