News - Personal Lines

• The affluent personal lines marketplace is insulated from much of this price competition and renewal retention is extremely high.
  
  
• This market is controlled by direct writers with many coverage deficiencies and little service.
  
  
• This presents an enormous potential for our independent agents.
  
  
• Some differences you can offer include:

1. 1. Uncapped Guaranteed Replacement Cost on Dwelling
   (this is capped in a few states including CA)
2. 2. Replacement Cost Cash-out Option on both Dwelling & Contents
3. 3. Free expert home valuation and loss prevention services
4. 4. Prompt no hassle claims services
   
   

• We also have markets for:

1. Seasonal or Unprotected or Rental Homes
2. Builders Risk or Homes in Corporate names
3. Flood and Excess Flood