• Bond – A Bond is a three-party contract under which the insurer agrees to pay losses caused by criminal acts (e.g., fidelity bonds) or the failure to perform a specific act.
  • Builders Risk Policy – A Builders Risk Policy is a property insurance policy that is designed to cover property in the course of construction. Coverage is usually written on an all risks basis and typically applies not only to property at the construction site, but also to property at off-site storage locations and in transit.
  • Difference-in-conditions (DIC) insurance – A Difference in Conditions policy is designed to broaden coverage by providing additional limits of coverage for specific perils when standard markets won’t provide adequate limits of coverage to fill any gaps.

Condominium Insurance

  • All Inclusive Condominium Insurance Under the “all inclusive” or “all-in” coverage, the condominium association master policy covers all real property in a residential condominium structure, including fixtures in individual units and any structural improvements, betterments, or additions that the individual unit owner has made. It provides coverage to replace a unit to the condition it was in at the time of the loss.
  • Bare Walls Coverage Under a “bare walls” approach, the condominium association insures only the bare structure of the individual condominium building; the structure, fixtures, and furnishings of collectively owned areas; and the collectively owned personal property of the association. 
  • Single Entity Coverage – Under a “single entity approach, the condominium association master policy covers virtually all real property in a residential condominium structure, including fixtures in individual units. Note that this coverage does not include any structural improvements, betterments, or additions that the individual unit owner has made.
  • High Net Worth Individual Insurance Coverage – Our high net worth coverage includes provisions for primary and secondary residences, private collections, identity theft, and even kidnap and ransom. When it comes to replacing the lost income of high earners, traditional insurance plans are insufficient.
  • Flood coverage – Since standard homeowners’ insurance doesn’t cover flooding, it’s important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that can impact you by creating water damage. If your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
    To determine if you live in a high risk flood area visit: https://www.floodsmart.gov/floodsmart/
  • Boat & Marine Insurance – Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels. Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat.
  • Personal umbrella policy – Personal Umbrella Insurance provides high limits of liability to protect an insured against a catastrophic liability loss. This policy grants liability coverage that stacks on top of the primary liability coverage provided by the insured’s homeowners, personal auto, watercraft, and any other scheduled underlying liability policies.
  • Renters Insurance – Renters insurance provides the coverage for tenant’s belongings and liabilities in the event a loss occurs.
  • Travel insurance – Travel insurance provides indemnification for: trip cancellation or interruption; theft of, or loss to, property such as jewelry, cameras, baggage, or passports while on the trip; and emergency medical and dental expenses during the trip. Travel insurance may be procured from travel agents or directly from certain insurers.
  • Personal Articles Floater / Valuable Items Insurance – This policy is particularly appropriate for property that receives limited coverage under the homeowners’ forms, such as furs, jewelry, fine arts, silverware, cameras, musical instruments, stamp and coin collections, and similar property.
  • HO-1 – This is a limited policy offering wide coverage to selective items mentioned in the policy. They do not insure valuable objects in the home.
  • HO-2 – Alike HO-1 policy, this policy also covers limited section of the house against damage. They also mention the potential risks against which the house will be insured. This policy is also referred to as “named peril” policy.
  • HO-3 –  Called the “open perils” policy, this is the most commonly written policy covering all the aspects of the house, its structures and belongings in addition to the liability protection and additional expenses. 
  • HO-4 – This policy is specific to renters and apartment dwellers who do not own the unit they reside in. 
  • HO-5 – This policy for home only covers the homeowners, their assets and all liabilities arising from visitors or passers-by. Unlike HO-3 this policy provides wider coverage on various happenings and losses. This wider coverage comes at a much greater cost.
  • HO-6 – Known as “Condominium Coverage” this policy is particularly designed for the condos owner. The part of the building owned by the insured and the included property are covered under this policy.
  • HO-8 – This policy provides benefits to homeowners with higher replacement cost than the market value by ensuring them at minimal market value rate. Hence this policy is aptly known as “older home” insurance policy.
  • Rental & Investment Property Insurance – Investment property insurance is the first thing you purchase when you invest in rental property. When owning a rental property, you want to make sure that you are covered against all hazards. You will need to own a landlord’s policy which can protect you from loss of income if your property becomes un-rentable. Landlord policies provide property insurance coverage for any physical damage to the structure of the home caused by fire, lightning, wind, hail, ice, snow or other covered perils. It also offers coverage for any personal property you may leave on-site for maintenance or tenant use, and includes liability coverage; if a tenant or one of their guests gets hurt on the property.
  • Collector Car Insurance – Protect your collector car with Agreed Value Insurance which gives you a 100% of the Agreed Value of your car. In the event of a total loss, that agreed upon value is the payout amount. The deductible of course applies, but there is no depreciation and no misunderstanding.
  • Mobile Home Insurance – It provides coverage comparable to the homeowners’ policy, including property, loss of use, and premises and personal liability. In some cases, coverage is granted via a mobile home endorsement to the standard homeowners’ policy. In other cases, a stand-alone mobile home policy is used to provide coverage.
  • Motorhome policy – It provides coverage such as liability, personal injury protection (PIP) or medical payments, uninsured/underinsured motorists (UM/UIM), and physical damage including protection for attached accessories, roadside assistance, emergency expense, and personal effects. In addition, the policy can be tailored to those individuals and families who live in their motor homes on a full-time basis (full-timers coverage).
  • Motorcycle insurance – Motorcycle Insurance is designed to provide appropriate coverage for a variety of motorcycles and related vehicles, such as trikes, mopeds, scooters, dirt bikes, all-terrain vehicles, Segway® personal transporters, golf carts, and snowmobiles.

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