Coverage for Homes That Standard Carriers Decline
Some homes simply don’t fit the box — and that’s where we come in. We help independent agents quote homeowners insurance through E&S markets when the risk is too old, too complex, or too “imperfect” for the standard market.
Whether it’s prior losses, unique construction, or an underwriting issue, we provide
surplus lines homeowners solutions across Tennessee, Kentucky, Mississippi & Arkansas.
Coverages Available
Dwelling & Other Structures
Personal Property
Liability Coverage
Loss of Use / Additional Living Expenses
Wind/Hail, Theft, Vandalism
Optional: Vacancy Endorsements, Ordinance & Law, Limited Mold
FAQs
Do you require updates on older homes?
Not always — but having info on roof, HVAC, plumbing, and electrical systems helps get a faster and cleaner quote.
Can you write homes that are currently vacant?
Yes — vacant or temporarily unoccupied homes can often be written under a different program. Just let us know upfront.
What kind of documentation do you need to quote?
We typically ask for a completed Acord or homeowners app, prior loss runs, replacement cost info, and photos when available.
