Starwind Personal Lines Solutions

Thursday, August 13, 2026
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Personal Lines Brokerage

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	Personal Umbrella
	Excess Personal Umbrella
	Landlord Coverage - DP1 & DP3 Options
	Condominium & Cooperative Unit Owners Program
	Home Based Business Coverage
	Comprehensive Personal Liability Coverage
	Excess Comprehensive Personal Liability Coverage
	Vacant Land & Vacant Dwelling Coverage

Personal Umbrella

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Offering both admitted (direct bill) and non-admitted (agency bill) options in most states.

Availability:

Admitted & Non-Admitted: AL, CO, FL, NY, NC, SC, TN, TX, UT, VA
Non-Admitted Only: GA

Limits:

Up to $1M for risks in AL, CA, FL
Up to $5M for all other states-GA, TN, TX, VA, NC, SC, CO, UT, NY

Eligibility Highlights:

Operators ages 23-75
Up to 6 violations and/or 3 accidents per household
Up to 25 one-to-four family residential locations
Note: Automobile and watercraft coverage not available in FL-enter 0 operators/vehicles when quoting

Umbrella Checklist Umbrella Flier With Worksheet Umbrella Flier Umbrella Product Information

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Excess Personal Umbrella

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Now available with both admitted and non-admitted options to meet your clients' needs.

Availability:

Admitted (Direct Bill): CO, GA, NY, SC, TX, VA
Non-Admitted (Agency Bill): AL, CA, FL, TN

Limits:

Up to $1M for risks in AL and FL
Up to $5M for all other states

Designed for risks with an existing primary umbrella with another carrier seeking higher umbrella limits.

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Landlord Coverage - DP1 & DP3 Options

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Flexible coverage designed for one-to-four family rental properties.

Availability:

Admitted (Direct Bill): NY, SC, VA
Non-Admitted (Agency Bill): FL, GA, NC, TX

Program Highlights:

DP1 and DP3 policy forms available
Up to $1M in property values
Personal liability included
Up to 10 locations per policy

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Condominium & Cooperative Unit Owners Program

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Comprehensive coverage designed for condo and co-op owners, including short-term rental exposures.

Availability:

Admitted (Direct Bill): SC
Non-Admitted (Agency Bill): GA, NC, TN, TX, VA

Available Limits:

Coverage A: up to $500,000
Coverage C: up to $200,000
Coverage D: up to $50,000
Loss Assessment: up to $50,000
Personal Liability: up to $1M
Medical Payments: $5,000 included

Eligibility:

Applicant is the owner of a condominium or cooperative unit
Short-term rentals (Airbnb, VRBO, etc.) are acceptable

Renters Checklist Renters Flier Renters Product Features Senior Living Flier HO6 Flier HO6 Product Features

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Home Based Business Coverage

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Affordable protection tailored for small, home-based enterprises.

Availability:

Admitted (Direct Bill): All states except FL
Non-Admitted (Agency Bill): FL

Available Limits:

General Liability: up to $1,000,000 / $2,000,000
Business Personal Property & Loss of Income: up to $100,000
Over 140 eligible classes
Risks with revenues up to $500,000
Up to 3 employees

Home Based Business Flier Home Business or Hobby Flier

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Comprehensive Personal Liability Coverage

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Flexible protection for a wide range of personal property owners.

Availability:

Admitted (Direct Bill): NC, SC
Non-Admitted (Agency Bill): AL, CA, FL, GA, TN, TX, VA

Eligible Risks:

Owners of 1-4 family dwellings, condo units, mobile homes, secondary/seasonal dwellings
Short-term rentals, dwellings under construction, vacant land, RV lots

Limits:

Up to $1M personal liability
Up to 15 locations per policy

CPL EPL Checklist CPL EPL Flier CPL EPL Product Features

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Excess Comprehensive Personal Liability Coverage

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Enhance your clients' protection with follow form excess liability coverage.

Availability:

Non-Admitted (Agency Bill): AL, CA, FL, GA, NC, SC, TN, TX, VA

Limits:

Up to $5M for most risks
Up to $1M for risks in AL, CA, FL
Up to $1M when the underlying limit is $100,000

CPL EPL Checklist CPL EPL Flier CPL EPL Product Features

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Vacant Land & Vacant Dwelling Coverage

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Comprehensive protection for vacant properties, including those under renovation.

Availability:

Admitted (Direct Bill): CO, FL, GA, NY, NC, SC, TN, UT, VA
Non-Admitted (Agency Bill): AL, CA, TX

Policy Forms & Limits:

DP1 & DP3 policy forms available
Vacant dwellings including those under renovation
Up to $1M in property value
Personal liability included
Up to 10 locations per policy

Vacant Dwelling Checklist Vacant Dwelling Claims Examples Vacant Dwelling Product Features

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