Personal Lines

High Risk Property. Low Stress coverage Placement.

Quote High Value Homes (Submit Acord 80, 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.

For quotes, please submit complete applications to

Click here for our Tiny Home Application and contact with any questions.

Still have questions? You can reach our Personal Lines experts at (855) 900-2960 ext. 4 during normal business hours.


  • 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

You can submit directly at Genie Quote Pro (

Still have questions? You can reach us at (855) 900-2960 ext. 4 during normal business hours.   

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