Homeowners Insurance

Home Owners Insurance

Coverage forms for Condo and Residential Risks are available at this time. Forms HOA, HOB, HOC, DP1. Fire.

Programs with Credit Score or Non Credit Scored factoring. Good or bad credit is not an issue with our new non scored "Hassle Free" HOA Policy

Coverage effected same day or following day in most cases.

Coverage can not start before we have received your completed application. For your convenience, an online application is in the forms page of the web site. The form may be printed or submitted over the web.

Direct bill is now available on all personal lines.

If electrical wiring , plumbing and roof have all been updated in the last 20 years then you get a rating discount by using the first remodeling date as the age of the structure. Up to a 10% credit.

Are you living on 1 or more acres? With or without hobby animals, you now qualify for our personal lines program, No need for a Farm and Ranch type policy. If AG sales are less than $5000 year you may still go in our personal residential programs.

We now offer $5000 of accidental water damage on a DP1 on a standard Fire, EC, Vmm policy for a flat $100 AP. This applies to a tenant or owner occupied.

Rental Property

Residential Rental Property Insurance" For Let " properties can be covered on DP1. Commercial lines see the Commercial page on this site.

Apartment House Program

For clients that operate Apartment Houses with between 10 and 50 units. This is a package or BOP type policy covering Basic, Broad or Special perils and with values of $25,000 to $2.5 Million per location in all counties except tier 1.

We provide Building, Contents, Rents, Liability and Crime as well as the tenants contents extension clause. Risks do not need to be loss free.

Rates are very competitive with other underwriters of this trade group.

Commercial Property Program

We have a new facility that will accept most any type of commercial risks where the values are up to $5,000,000 per location.

This Program is principally for:

Apartments (less than 35 years old)

Churches

Condos

Convenience Stores with/without gas

Grocery Risks

Hotels (Chains and independents)

Offices

Manufacturing Risks

Motels (chains and independents)

Restaurants

Shopping Centers

Shopping Malls

Warehouse Risks

The facility is available in most states Fire, Ec, V mm or All Risk with and without flood or earthquake. Coverage not available in tier 1 and 2 areas. This is a property only program but we likely write the general liability and products also if you need that written along with it.

This new program will offer competitive pricing and the rates will not be up rated unless the risk is substandard or surplus lines.