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Personal Lines Products
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Very competitive rates
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Minimum Value:
• $300,000 Non-Coastal
• $500,000 Coastal
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No Maximium Limits
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Available in beach/seacoast areas
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"A" Rated companies
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Quick turn-around time
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Direct Bill available
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Seasonal & Secondary homes eligible
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Liberal on loss histories
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No credit scoring
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Coverage A: $50,000 - $300,000
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Coverage B: 5% Coverage A (10% Available)
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Coverage C: 25% Coverage A (40% Available)
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Coverage D: 10% Coverage A
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Coverage E: $100,000/ occurrence ($300,000 Available)
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Coverage F: $2,000/ person, $10,000/ accident
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Wind Hail Deductible:
• 2-10 miles from ocean: 2%
• 10-20 miles from ocean: 1% ($1,000 min)
• 10% credit for 5% wind deductible
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All Other Perils (AOP) Deductible: $1,000
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Includes wind/hail ,quake, RC on contents
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Will write in beach/seacoast zones
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Coverage C: $10,000 - $40,000
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Loss of Use: 20% Coverage C
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Liability: $100,000
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Medical Payments: $500
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$2,000 Burglary (On Premises) Coverage in lieu of theft
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Includes wind/hail, earthquake, flood, wind driven rain, & RC on Contents
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Will write in beach/seacoast zones
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Coverage A: $5,000 - $25,000
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Coverage C: $10,000 - $75,000
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Coverage D: 25% of Coverage C for Loss of Use (40% Available)
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Coverage E: $300,000 per occurrence ($500,000 Available)
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Seasonal and secondary homes eligible
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No credit scoring
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Coverage A: $40,000 - $75,000 (100% ACV)
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Coverage B: $1,000
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Coverage C: 25% Coverage A
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Coverage D: 10% Coverage A
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Coverage E: $50,000 per occurrence
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Coverage F: $500
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Wind Hail Deductible:
• 2-10 miles from ocean: 2%
• 10-20 miles from ocean: 1% ($1,000 min)
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All Other Perils (AOP) Deductible: $1,000
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Limits up to $5,000,000 available
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Lenient on MVR violations
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Young drivers accepted
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Personalities, Sports Notables, etc. accepted
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Very competitive rates
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