Specialty Homeowners

Specialty Personal Insurance
Niche Specialty Personal Lines products consisting of Manufactured Housing, HO-10 Homeowner, Dwelling Fire, Vacant Dwelling, Motor Home,

Travel Trailer, Watercraft, Motorcycle, Snowmobile and Collector Auto.

Standard & Preferred Personal Insurance
Standard and Preferred Personal Lines products consisting of Package, Automobile, Homeowners, Recreational Vehicle, Motorcycle, Watercraft and

Umbrella.

Commercial Insurance BOP Programs
Niche BOP products that offer unique coverages for the Artisan Contractor, Food Service, Tavern, Convenience Store and Apartment (5+units)

business sectors. Other everyday standard
BOP classes available.

Specialty Homeowners

Wide Eligibility	No age restriction but, the property must be in average or better condition showing regular maintenance.
Named Peril Protection	Policy covers named perils, but allows for upgraded coverage and options. All claims are settled for Actual Cash Value.
Full Repair Or Replacement Cost	Upgrade the settlement to provide repair, up to policy limits with no deduction for depreciation.
Other Structures Included	Coverage for a garage or shed.
Reasonable Repair And Debris Removal	In the event of a covered loss, we'll reimburse the policyholder for temporary repairs and removing debris.
Loss Of Use	Cost of additional living expenses.
Personal Liability	Limits up to $500,000.
Protection Classes	Classes 9 and 10 accepted.

"The Specialists In Specialty Insurance"