Personal Lines

Mobile Homes/Modulars
We provide a full spectrum of products to fit almost any home insurance need: Mobile Homes, Manufactured Homes, and Modular Homes. We write Owner Occupied, Seasonal, Tenant Occupied, Renter, Commercial and Vacant home policies. We represent some of the finest mobile home Insurance Companies.

Dwelling Fire
We offer Dwelling Fire Policy forms DP1, DP2 and DP3. These programs are designed for Owner Occupied, Seasonal, Seasonal Rental, Tenant Occupied and Vacant Dwellings.

Homeowners
Our programs for Homeowners are designed to fit specialty niches. We offer program for older lower-valued homes. We also have programs for Modular and Log Homes. We offer programs for Owner Occupied Homes, Seasonal Homes and Renters. The various Homeowner forms we offer are HO2, HO3, HO4, HO6 and HO8.

Vacant/Renovation Builders Risk
Our programs offer three month, six month and annual policies with automatic renewals. Our programs include renovations and builders risk with a variety of deductibles. We offer this for dwellings and mobile homes.

Log Home
This program is specifically designed for the uniqueness of log and round homes. Owner Occupied, Seasonal/Secondary with short term rentals and full time Rental usage are acceptable. The program is written on either a DP or HO form and is designed for new and older homes.

Seacoast Properties
We offer Homeowners, Dwelling Fire and mobile home programs for Seacoast Properties. Owner Occupied, Seasonal, Seasonal Rental, Tenant Occupied and Vacant Programs.

Motorcycle/ATV
We offer both Package Programs and Liability Only Programs. We have policies for Foreign Bikes, Harley Davidson, Big Bikes, Tour Bikes, All Terrain Vehicles, Mopeds and Custom Classic Bikes.

Watercraft
We provide programs for all types of watercraft: Inboard, Outboard, Inboard/Outboard, Pontoon, Houseboats, and Sailboats used for private pleasure. We will also write Bass Boats. We offer both package policies and liability only policies.

Personal Watercraft
We offer both package and liability only programs for Personal Watercraft. Optional coverages include Emergency Assistance and Towing, Non-Owned Watercraft Liability and Uninsured Watercraft Coverage.

Motor Home/Travel Trailer
We provide programs specifically designed for the Motor Home Owner. Whether one uses their motor home occasionally or on a full time basis, we have a program that fits. Specialty coverage is available for both experienced and new motor home owners.

We offer great programs for the travel trailer owner. We have regular package policies that include Personal Effects coverage and Vacation Liability. We also have programs for Stationary Travel Trailers and full timers or travel trailers that are permanently placed in a campground or private property.

Collector Car
This program is designed for older collectible vehicles used for pleasure (stock, modified, kit, antique and classic). Collections are acceptable. Agreed value settlement is available. There are a variety of plans based upon annual mileage.

Golf Cart
This program is designed for off road pleasure usage. It provides for collision, other than collision and liability coverage.

Flood
We provide Flood Insurance through the Federal Flood "Write Your Own" Program. These programs have both a preferred and standard program. Some of our mobile home programs include flood as an option.
Click the icon to Access Flood to get their quotes

Commercial Lines

Mobile Home Parks
This program offers liability coverage, property coverage, umbrella and crime. It is designed for permanent mobile home parks with limited amounts of rental units. Incidental exposures including offices, pools and playgrounds are acceptable.

Artisan Contractor
This program targets small to medium sized licensed contractors engaging in remodeling of commercial/residential structures or new construction of commercial structures. Many class codes are available to include lawn care, landscaping, janitorial, appliance service and many more.

Special Events
This program offers both liability and property coverage for most types of Special Events. It includes everything from Arts & Crafts Shows to Seminars to Wedding Receptions to Rodeos and many more.

Day Care
This program targets licensed daycares, in-house facilities, preschool, Montessori’s, latch key & nursery school programs. The program is available for private property and newer mobile/modular homes. Liability only and packaged polices are available.

Restaurants
This program is designed for many types of restaurants to include fine dining, family, fast-food, cafes, cafeterias, catering and restaurants with take out service. Coverage includes General Liability, property, inland marine, crime and umbrella. Liquor liability coverage is available. Multiple locations are also acceptable.

Hotel & Motel
This Business Owners Program provides Property, General Liability and Umbrella Coverage for Hotels and Motels with over 30 rooms, $100,000 in annual sales, buildings that are less than 30 years old, swimming pools, and limited cooking exposures. Franchises are acceptable.

Resort & Campground
This program is designed for Resort/Campground risks that provide the movement and/or parking of recreational vehicles while in the care, custody or control of the insured. This is a multi-line program that provides for property, general liability, liquor liability, inland marine and umbrella.

Farmowners
Whether your client is a Hobby/Gentleman Farmer or has Equine exposure, this program offers a farm lines solution with property limits up to $5 million & Liability limits up to $1 million plus excess liability up to $5 million. This program also includes coverage for Farm Dwelling, Stable Liability, Care/Custody/Control and Tack Floater.

10+ Dwelling Schedule
This preferred program schedules multiple dwellings on one policy with no unit limit. It is designed for newer units and older units with updates. Basic, Broad and Special Forms are available. Deductibles are available up to $25,000 with premises liability up to $1,000,000. Business income, extra expense, crime, inland marine and business personal property are available. Vacant property can be included in the schedule. Optional payment plans are also part of the program.

Convenience Stores
This program targets convenient stores with or without cooking exposure. All protection classes, theft coverage, liquor liability plus General Liability are part of the program. Incidental LP Gas sales/exchange are acceptable.

Vacant Buildings
This program is available for Vacant Commercial Buildings. It provides for property and liability coverage.

Beauty Salons
This program provides for Property, General Liability, Hired and Non-owned Auto Liability, Umbrella.

Golf Courses
This program is designed for small to medium size private, semi-private and public courses. Property coverage includes foot bridges, retaining walls, fences, underground sprinklers, hole or tee markers, benches, water coolers, ball washers, pins and hole cups, exterior light poles, paved walks and patios. Lawn coverage provides for tees, greens, and cut fairways. Limited Pesticide/Herbicide coverage is available. In addition to golf cart and golf course equipment, the program offers Property, Special Event, Hole-in-One Contests, Pro Shops, Restaurants, Bars and Liquor Liability.