Personal Lines

High Risk Property. Low Stress coverage Placement.

Quote High Value Homes (limit $750K or higher), Short-term rentalsDeclined HomesCollectionsJewelry FloatersArtwork, Vacant Homes, tiny homes and more!

Declined Homes in 21 States are underwritten by certain underwriters at Lloyd’s: AZ, CO, IA, ID, IL, IN, KS, MN, MO, MT, ND, NE, NM, NV, OH, OR, SD, UT, WA, WI, WY. For all others States CLICK HERE for application underwritten by other insurers.

Click here for our Tiny Home Rate Indication, complete Rating, Application, and Questions tabs and submit to for final approval. States available include: OR, WA, CA, AZ, NV, ID, CO, TN, NC. Otherwise, we use Acord 81.


  • Property & Liability
  • DP-1, DP-3, HO-3, HO-5, HO-6
  • Dwelling
  • Personal Property
  • Off Premises Storage
  • Earthquake & Wind
  • Personal Floaters


  • Low Value to High Values
  • Old Homes, Log Homes, Tiny Homes
  • Primary Rentals
  • Secondary/Seasonal Rentals
  • Annual Rentals (Landlord), Short-term rentals
  • Condo Units
  • Vacant Properties
  • Properties with a Wood Stove as a Secondary Heat Source
  • High Brush Fire Rating
  • Dwellings with Swimming Pools

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