Homeowner Products

Our homeowner products are designed for primary, full-time occupied residences. The HO-A is our most popular form. Some companies offer the ability to endorse replacement cost on the dwelling and personal property which is also known as an HOA +. The HOB is our broad form. This form is an all risk policy and includes replacement cost.

Colonial Lloyds - Is an admitted carrier backed by “A” rated reinsurance. Colonial Lloyds has mandated state rates and offers credits to include senior citizens, fire and burglary alarm, and care and condition of home, etc. Colonial Lloyds also offers a "Preferred" program that includes additional discounts for exceptional risks. Refer to the Underwriting Guidelines to see if the risk qualifies. For complete underwriting guidelines, click here.

Certain Underwriters @ Lloyd’s - Is an "A" rated company. This is our most flexible company. They offer both the HOA and HOB form with several credits to offer the insured. The maximum dwelling value is $300,000 in most counties. Lloyd’s accept homes with wood roofs, asbestos siding, and semi or unprotected homes with a premium surcharge. This company is designed to make room for the "hard to place" risks. For complete underwriting guidelines, click here.

Voyager Indemnity - Is an "A" rated company. This company is very comparable to Certain Underwriters. The guidelines are similar to some degree. Voyager offers a "Premier" program that includes discounts for exceptional risks. Voyager also offers a highly requested policy limits on accidental discharge of water. For complete underwriting guidelines, click here.

Ranchers and Farmers - Is an admitted carrier and a direct bill company backed by an “A” rated carrier in Aegis. This policy is billed in monthly installments and does not require premium finance. This company offers an HOA form. The home must be owner occupied and the maximum TIV exposure for this form is $200,000. For complete underwriting guidelines, click here.

Republic Vanguard - Is an "A" rated company. This program is designed to write HO-A and HO-B primary, full-time occupied residences. The maximum dwelling value is $150,000 and all risks are subject to an acceptable CLUE and Credit report. For complete underwriting guidelines, click here.