Specialty à la Carte Homeowners Coverages™
Specialty à la Carte Homeowners Coverages™

Agent Reference Materials
Agent Flier
Sample Policy

Marketing Materials (Applicant Facing)
Cross Sell Flier - Texas Fair Plan
Cross Sell Flier - California Fair Plan
Cross Sell Flier - Florida and all other states
PAF Flier
Insured Flier - Specialty a la Carte program
Car Condominium Flyer
Solar Liability Flyer
Golf Equipment

Eligible States
Alabama, California, Colorado, Florida, District of Columbia, Georgia, North Carolina, South Carolina, Tennessee, Texas, Utah, Virginia

Specialty à la Carte Homeowners Coverages™


The Specialty à la Carte Homeowners Coverage™ includes options to supplement the typical Florida homeowners or dwelling policy which often excludes or provides limited coverage for certain property and liability coverage. Coverage can be conveniently selected based on your customer’s unique needs, and all coverages selected will be combined on one policy for simplicity of policy issuance and tracking for the agent and customer. The are five PARTS available for purchase within the Specialty la Carte Homeowners Coverage™.

PART I HOMEOWNERSWRAPSM PART IV - Other Commercial Liability Coverages
PART II - Personal Articles PART V - Excess Personal Liability Coverage
PART III - Other Personal Liability Coverages PART VI - Limited Dock Owners Liability


Product Highlights

  • Option to write coverage a la carte or package together into one policy.
  • Fully automated solution with real-time quoting, credit-card and bank payment options, and policy issuance.
  • Easy to work with appraisal requirements for the Personal Articles Floater.
    • Appraisals are only required for individually scheduled items valued at $25,000 or more. Appraisals, when required, must be within the last 5 years. If you do not have an appraisal, we can also accept a receipt or bill of sale within the last 2 years.
  • Written on standard ISO-based forms.
  • Direct bill renewals.
  • Backed by a reputable and financially sound carrier with an A.M. Best rating of “A” XV (Excellent).
  • Provided through a Florida-based Managing General Underwriter that specializes in service, ease of doing business through automation and finding unique solutions for challenging markets.
PART I: HOMEOWNERSWRAPSM Coverage Options & Limits
Personal Injury Liability Coverage (Libel Slander, etc.) $300,000 (Coverage E)
Animal Related Personal Liability Coverage $25,000 or $50,000
Incidental Farming Personal Liability Coverage $300,000
Credit Card, Electronic Funds Transfer Card or Access Device, Forgery and Counterfeit Money Coverage $10,000
Pool Enclosures & Other Structures on the Residence Premises X-Wind Property Coverage $50,000
Fungi, Wet or Dry Rot, or Bacteria Increased Amount of Section I – Property Coverage $25,000
Water Backup and Sump Discharge or Overflow - Property Coverage $10,000
Loss Assessment - Property Coverage $5,000 or $10,000
Home Business Insurance Coverage $300,000 (Coverage E) / $5,000 (Coverage C)
Limited Water Coverage $10,000 or $25,000
Solar Panel Property Coverage (excluding the perils of wind and hail) $60,000
Loss of Use/Loss of Rents (Coverage D) $20,000 or $30,000
Service Line Coveage Home 0-49 years old: $10,000
Home 0-49 years old: $5,000


PART II: Personal Articles Coverage Options
Scheduled coverage available for:
  • Antique furniture*
  • Audio/Visual Equipment
  • Baseball/Sports Cards & Comic Books*
  • Bicycles
  • Books*
  • Cameras*
  • Coins*
  • Computers
  • Fine arts (fragile and non-fragile)*
  • Furs*
  • Gold or silver bullion
  • Golf Clubs & Golf Carts (excluding collision)
  • Guns*
  • Handbags*
  • Jewelry & watches*
  • Memorabilia*
  • Musical Instruments*
  • Rugs*
  • Silverware*
  • Stamps*
  • Wine, Whiskey & Cigars*
* Blanket limit available with a per item max of $25,000 ** Blanket limit available with a per item max of $1,000


PART III: Other Personal Liability Coverages Coverage Options & Limits
1-4 Family Dwelling Liability – individually owned (owner or tenant occupied) $300,000, $500,000 or $1,000,000
Co-Op Owner Liability - individually owned units (rented to others or owner occupied) $300,000, $500,000 or $1,000,000
Tenant Liability $300,000
Solar Panel 1-4 Family Dwelling Liability $1,000,000
Electric Vehicle Charging Station 1-4 Family Dwelling Liability $1,000,000
Car Condominiuim Personal Liability Coverage - Individually owned $1,000,000


PART IV: Other Commercial Liability Coverages Coverage Options & Limits
1-4 Family Dwelling for Corp., Trust, or LLC Owned Property $1,000,000 / $2,000,000
$5,000 Medical Payment Expense Limit
Co-Op Owner Liability—Trust, LLC or Corporation Owned Unit $1,000,000 / $2,000,000
$5,000 Medical Payment Expense Limit
RV Pad Liability $300,000 or $500,000
Vacant Land $1,000,000 / $2,000,000
$5,000 Medical Payment Expense Limit
Car Condominium Personal Liability Coverage - Corp., Trust, or LLC Owned $1,000,000


PART V: Excess Personal Liability Coverages Coverage Options & Limits
Excess Personal Liability Coverage $200,000, $400,000, $500,000, $700,000 or $900,000


PART VI: Limited Dock Owners Liability Coverage Options & Limits
Limited Dock Owners Liability $300,000 / $500,000
$5,000 Medical Payment Expense Limit