Shelly, Middlebrooks & O’Leary can provide a competitively priced solution for owner-occupied condos, hard-to-place rental or secondary/seasonal condos, and units rented by tenants. Policies are crafted by our skilled underwriters with extensive experience writing coverage for beachfront condos, high-value properties and other unique exposures, and can provide coverage for condos owned or rented by individuals with significant personal property and/or liability exposures.
COVERAGE HIGHLIGHTS:
Industry-accepted ISO HO6 and HO4 policy forms modified to tailor coverage for these risks.
Many standard ISO endorsements and carrier customized endorsements available.
Coverage for loss of use or rental income available.
Wind coverage or wind exclusion credits available.
Primary flood coverage included for units on certain floors.
“Replacement Cost” and “All Risk” coverage on contents available.
Competitive rates and deductibles.
High limits for additions and alterations coverage available.
Coverage can be packaged with Excess Flood, Personal Umbrella Liability/Excess Personal Liability, and/or a Personal Articles Floater to provide vital additional coverage at a discounted rate.
ADDITIONAL PRODUCT LINES:
High Value Homeowners
Personal Umbrella up to $25 Million
Personal Article Floater
Excess Personal Liability
Excess Flood
Shelly, Middlebrooks & O’Leary is a leading provider of innovative, reliable coverages for mid-to high-value or high-risk personal lines exposures nationwide. Programs written with one of the world’s leading property and casualty insurance companies with an A rating.
