Personal Lines

• Coastal properties

• Short term or long-term rentals

• Loss or credit history issues

• Estate or LLC owned

• Secondary dwellings

• PC 8, 9, 10

• Log cabins

• Historic or old homes

• Vacant homes

• Ground up construction or risks where construction has already started

• Homes under renovation

• Coastal locations

• Primary and excess limits up to $5M

• Competitive rates with NFIP

• Replacement cost available

• No 30-day waiting period

• Markets for all flood zones

• Simplistic quote process

• Financing available

Personal Liability

• Family retreats and personal farms/land

• Personal land leased to others

• Standalone CPL: where only that coverage is needed

Personal Umbrella

• Excess umbrella limits for high net worth individuals

• Difficult to insure drivers

• Loss history issues

• Fine art

• Antiques and collectibles

• Jewelry and watches

• Guns

• Silverware

• Furs

• Artist work in progress, art stock, and equipment

Coverage highlights:

• No underinsurance clause

• While on loan or at exhibition automatically included