Personal Lines

Personal Insurance Lines

Homeowner, Dwelling & Condo

Vacant Dwellings, Renovations & Builders Risk


Personal Liability & Personal Umbrella

Personal Articles Floater

Other Insurance Lines

a large white house with a pool

Homeowner, Dwelling & Condo

  • 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

a room with white doors

Vacant Dwellings, Renovations & Builders Risk

  • Vacant homes

  • Ground up construction or risks where construction has already started

  • Homes under renovation

  • Coastal locations

a flooded street with cars


  • 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

a barn in a field

Personal Liability & Personal Umbrella

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

a room with a table and chairs

Personal Articles Floater

  • 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

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