Personal Lines
![a large white house with a pool](https://transform.octanecdn.com/width/900/https://octanecdn.com/npu-inccom/npu-inccom_294135763.jpeg)
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](https://transform.octanecdn.com/width/900/https://octanecdn.com/npu-inccom/npu-inccom_854515722.jpeg)
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](https://transform.octanecdn.com/width/900/https://octanecdn.com/npu-inccom/npu-inccom_872264349.jpeg)
Flood
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](https://transform.octanecdn.com/width/900/https://octanecdn.com/npu-inccom/npu-inccom_282250531.jpeg)
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](https://transform.octanecdn.com/width/900/https://octanecdn.com/npu-inccom/npu-inccom_364556243.jpeg)
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