We offer Dwelling, Adjacent Structures, Personal Property, Fair Rental Value, Premises Liability and Medical Payments.

DP-1 or DP-3

Tenant occupied

1-4 Family Dwellings

Corporately owned or trust owned dwellings

High Value or Low Value

Schedules of Rental dwellings

Click Here for our Dwelling Fire Application

Primary and Secondary owner occupied dwellings, Condo Unit HO or Tenant HO

HO-3, HO-8 , HO-4  and HO-6

RC or ACV basis

High Value (up to $10 mil) or Low Value

Log construction

Loss problems

Click Here for our Homeowners Application

Monoline or add to HO Policy

Personal Jewelry/Furs/Guns

Fine Arts or Collections

Musical Instruments (used for personal use only – no professional use)

Appraisals required for items over $1,000

Miscellaneous (Cameras, Silverware, coins, stamps)

Contents in a Mini Storage

Named Perils + Burglary

Must be in a commercial storage facility and MUST be secured.

3/6 month or annual terms available

Click Here for our Inland Marine Application

$1 mil to $10 mil available – Primary or Excess Umbrella

Youthful or Older (over 75 year old) Drivers

B+ or better rated carriers required

DUI or poor MVR history considered

Watercraft (up to 50 MPH)

Farms (Personally owned with underlying Farm CPL

Click Here for our Personal Umbrella Application

DP-1 or DP-3

Vacants – High or Low Value

Vacant for extended time

New or old

ACV or RC basis

Vacant Condo Units

Titled in the name of an Estate or Trust or Corporately owned

Renovations or Builder’s Risk (ground up) Dwellings

ACV or RC Basis

Renovations - Must be insured at current value + cost of renovations

Premises Liability available as long as a licensed/insured contractor is doing the major

work.   If the applicant is involved (even acting as GC), no liability can be offered.

New Construction (not completed) to Full Gut Rehab projects

Click Here for the Vacant/Renovations Application