Personal Insurance

Personal Insurance

Homeowners HO3 & HO8

Primary, secondary, seasonal, coastal homes, all construction types, any year built or fire protection class. Markets available for diving boards, trampolines, dogs
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Dwelling Fire DP3

Long and short term rentals, including less than weekly stays, properties owned by trusts, llc’s, coastal property and all construction types

Condo Unit Homeowners HO6

Primary, secondary, seasonal, rentals, including short term less than weekly, loss assessments available to $10,000. Loss assessment coverage is one of the most valuable coverage in an ho6 policy. This coverage will respond when the association assesses all unit owners equally after a loss, regardless of any damage to your individual unit.

Tenant Homeowners – HO4

Insuring your valuable contents for replacement cost, loss of use coverage, and liability

High Value Homeowners/Dwellings/Condo Unit Homeowners

Several specialty markets available and many alternatives to citizens not requiring opening protection. Ala Carte program which allows the Homeowner to choose coverage amounts for Other Structures, Contents, Loss of Use, and Liability Limits.

Auto-discounts for homeowner’s, college graduates, good student, multi-policy discounts available

Pleasure Boats/Personal Watercraft

All lengths and horsepower, optional coverages available for towing, fishing equipment, and roadside assistance. Whether your boat is moored in water, dry docked, or trailered, we have all the markets for your personal watercraft and pleasure boat needs

Recreational Vehicles

Motor homes, travel trailers, ATV’s, motorcycles, and much more

Golf Carts

Both licensed for road use and unlicensed


Limits available to $20,000,000

Personal Articles Floaters

Jewelry, furs, guns, collectibles and many other schedules