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HOMEOWNERS INSURANCE » » » » » |
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While many carriers refuse to insure difficult risk such as high-value properties in coastal areas, Shelly, Middlebrooks & O’Leary has the markets and programs to provide stable, long-term homeowners insurance for all your clients, regardless of where they live. Our homeowners market offers competitively priced coverage for a range of sizable and complex homeowners exposures, including mid- to high-value properties, older homes, secondary/seasonal residences, rental properties, builders risks and homes with prior losses. ISO forms are tailored to the individual needs of the client.
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| COVERAGE HIGHLIGHTS: |
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Industry-accepted ISO HO3 policy forms modified to tailor coverage for these risks. |
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Primary, secondary/seasonal and rental (long- and short-term) coverages available. |
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Unlimited dwelling coverage limits in excess of $500,000 available. |
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Wind coverage or wind exclusion credits available. |
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Wind deductible buyback coverage available. |
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Home-based business coverage available. |
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“Replacement Cost,” “All Risk” coverage on contents, and numerous ISO endorsements available. |
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Builders Risk policies can be converted to a full homeowners policy upon completion (optional premises liability, theft of building materials and extended coverage available). |
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Optional golf cart coverage (physical damage and liability). |
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Competitive rates and deductibles. |
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Incidental business coverage and increased limits on business property endorsements available. |
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Limited mold and pollution protection available. |
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| ADDITIONAL PRODUCT LINES: |
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High Value Homeowners |
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Personal Umbrella up to $25 Million |
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Personal Article Floater |
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Excess Personal Liability |
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Excess Flood |
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| 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. |
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