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Surplus Lines Homeowners Products:

HO3

Coverage for direct loss to dwellings, personal property, additional living expenses, and protection if an insured is held liable for injuries or damages. Available in AL, FL, LA, NJ, NC, RI, SC, TX and VA.

Landlord HO3 Tenant Occupied

Coverage for direct loss to dwellings, personal property, and loss of rental income for insureds who own tenant occupied dwellings. Also provides protection if an insured is held liable for injuries or damages. Product is designed for dwellings owned by investors. Available in AL, FL, LA, NC, NJ, RI, SC and TX.

HO Wind Only

Property coverage for the peril of wind. Provides coverage for the dwelling, other structures, personal property, and loss of use. Available in AL, FL, LA, NC, SC and TX.

Vacant

Coverage for direct loss to dwellings and personal property for vacant homes for landlords. There are two coverage forms, Basic and Broad form named perils. This product covers rental homes that are temporarily vacant. Available in Florida and Louisiana only.

Commercial Converted Homes for Landlords

Coverage for direct loss to building, other structures, business personal property and rental income for small professional offices occupied by a tenant. These buildings are former residential properties converted into small professional commercial properties. Florida only.