What We Cover

Property insurance products written through our admitted and surplus lines carrier partners. Each product is built around the specific exposures and underwriting practices of the markets we serve.

  • HO-3 / HO-5 surplus lines

    Homeowners (E&S)

    Surplus lines homeowners coverage for owner-occupied single-family dwellings in coastal hurricane and wildfire zones. Wind, hail, and fire coverage with flexible deductible structures.

    • Coastal-eligible wind & hail
    • Wildfire-mitigation credits
    • Replacement cost on dwelling

  • HO-6 form

    Condo & Townhome

    Unit-owner policies tailored for high-rise, mid-rise, and townhome exposures. Includes coverage for interior improvements, personal property, and loss assessment.

    • Loss-assessment limits up to policy max
    • Master-policy-deductible buyback
    • Coverage A flexibility for renovated units

  • Commercial property (E&S)

    Small Commercial

    Surplus lines property coverage for small commercial risks — retail, office, restaurant, and mixed-use buildings, including coastal and wildfire exposures.

    • Retail, office, and mixed-use eligible
    • Wind, hail, and fire on catastrophe-exposed risks
    • Building and business personal property

  • STR endorsement / standalone

    Short-Term Rental

    Coverage built for properties operated as short-term rentals — including business income loss, liability for guest activities, and contents replacement.

    • Listed-platform-friendly underwriting
    • Liability limits to match host-platform requirements
    • Available as endorsement or standalone policy

Live programs

Our first programs are live and bindable today — backed by a carrier rated A- by AM Best and placed on a surplus lines basis.

  • HO-6 Condominium · E&S

    Condominium unit-owners

    Unit-owner protection for owner-occupied, seasonal, and tenant-occupied condos across the hurricane-exposed Southeast.

    • Dwelling to $300K, personal property to $150K, liability to $500K
    • Stand-alone named-storm wind supplement
    • Smart-home discounts and AI-enabled pricing
    • Instant quote & bind

  • HO-4 Renters · E&S

    Renters / tenant contents

    Personal property and liability protection for tenants — single-family rentals, townhomes, condos, and apartments.

    • Personal property to $50K, liability to $500K, loss of use to 12 months
    • Stand-alone named-storm wind supplement
    • Smart-home discounts and AI-enabled pricing
    • Instant quote & bind

Where we’re active

Eligible states

Ready to write business with us?

Underwriting guidelines, eligibility maps, and rate cards are available to appointed producers through our partner portal.

Get appointed