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Personal Property

As a homeowner, boat owner or landowner, your clients have needs that are as unique as their property. From high end homes, to renters insurance and even personal artifacts - we build policies that cover the roof to the floor and everything in between.

Homeowners (HO3)

  • High Value Homeowners including wind coverage
  • Wind coverage for CAT exposed coastal properties available
  • Primary, secondary, seasonal, builders risk & vacant
  • Rentals & short-term rentals
  • Older Homes
  • Primary Liability up to $1,000,000 available

Condominium/ Renter (HO6, HO4)

  • ISO HO6 and HO4 policy forms modified to tailor coverage for these risks
  • Wind coverage for CAT exposed coastal properties available
  • Coverage for primary and secondary, rentals, short-term rentals & vacant condominiums
  • Primary Liability up to $1,000,000 available

Personal Article Floater

  • Any Size Schedule
  • Most classes of personal property considered including. jewelry, furs, cameras, musical instruments, silverware, stamps, rare coins, fine arts, firearms, etc.
  • ISO Personal Inland Marine Form

Excess Flood

  • Excess of National Flood Insurance Program (NFIP)
  • Limits up to $10,000,000 TIV
  • Available for both coastal and non-coastal risks in flood zones
  • Coverage provided on a “Follow-Form” basis


  • Coverage A Limits up to $5,000,000 admitted
  • Coverage A Limits up to $10,000,000 Excess & Surplus
  • Personal Injury coverage
  • Excess Uninsured/Underinsured Motorists coverage available up to $1,000,000
  • Minimum attachment of $250/500/100 or $300,000 CSL Automobile, Boats and Recreational Vehicles
  • Coverage for high-risk & older drivers available

Comprehensive Personal Liability

  • Stand alone personal liability coverage of up to $1,000,000
  • $5,000 Medical Payments included
  • Coverage offered for owner occupied or tenants occupied one, two, three and four family dwellings: secondary / seasonal residences; condominium unit owners, mobile home owners, and tenants of multiple unit buildings
  • Coverage offered for dwellings under renovation or construction where the insured is not the general contractor
  • Individuals, Trusts, Estates, Limited Partnerships, Limited Liability
  • Corporations (LLC), and Family Partnerships written as the Named Insured

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We back our services with more than 60 years of industry experience and strive to find innovative solutions for our clients and their hard-to-place risks. As a principal in our industry, we put the power of exceptional customer service, competitive pricing and proven expertise to work for our clients every day.

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