Starwind Personal Lines Solutions

Friday, January 23, 2026
|
Become a Broker
|
Make a Payment Here

USLI Personal Lines

Jump to Product

	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

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

(Log In to Quote Now)

Excess Personal Umbrella

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.

(Log In to Quote Now)

Landlord Coverage - DP1 & DP3 Options

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

(Log In to Quote Now)

Condominium & Cooperative Unit Owners Program

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

(Log In to Quote Now)

Home Based Business Coverage

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

(Log In to Quote Now)

Comprehensive Personal Liability Coverage

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

(Log In to Quote Now)

Excess Comprehensive Personal Liability Coverage

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

(Log In to Quote Now)

Vacant Land & Vacant Dwelling Coverage

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

(Log In to Quote Now)

Producer Login

Forgot password?