Coverages by Insurance Company
Markets: Auto, home, renter’s, condo, landlord, earthquake, watercraft, umbrella, snowmobile, RV, classic car and motorcycle.
Specialties & Discounts: Safeco is a great condo insurance company because they will cover the association master policy deductible. They also offer pay-in-full discounts.
Progressive & ASI
Markets: Auto, boat, RV, motorcycle, umbrella, and snowmobile, ASI is home, renters, and condo
Specialties & Discounts: Progressive will do broad form policies, SR22s and doesn’t require you to own the vehicle you insure. They also have very good coverage options on specialty policies that other carriers don’t provide. This makes them a great market for boat, RV and other toys. Pay-in-full discounts are available.
Markets: Classic car and boat insurance
Specialties & Discounts: Hagerty has inexpensive and comprehensive classic car insurance.
Markets: bonds/surety, commercial packages, builders risk, business auto, commercial general liability, business owner policies (BOP) and commercial property.
Contractors Bonding and Insurance Company (CBIC)
Markets: bonds, contractor insurance
Builder’sand Tradesmen’s Insurance Services (BTIS)
Markets: commercial general liability, inland marine, contractor bonds
Foremost Insurance Group
Markets: Boat, motorcycle, mobile/manufactured homes, vacation rental homes, snowmobile, personal watercraft, non-standard auto, vacant home, specialty dwelling, etc
Specialties & Discounts: Foremost is a great market for mobile homes. They also have a wide variety of products to fit standard homes with recent claims or that don’t qualify for preferred policies. They can exclude animal liability if you have a problem dog breed or a dog with a bite history. On auto policies, Foremost has a broad form named non-owner auto policy option with SR22 capability.
Markets: Auto, home, condo, renters, personal excess liability policy, motorcycle, boat, life insurance and flood
Specialties & Discounts: MetLife has excellent home policy coverage options with lower cost to jewelry scheduled personal property than some of our other companies, EQ available at a 15% deductible, and package policy options. They do not have fees for any of their billing plans. Identity theft coverage is included on home, renters and condo policies. They will also do a course of construction home policy for a primary home that on the next term just turns into a normal home policy.
Access to brokers:
Through our access to other admitted and non-admitted markets we have many other personal and commercial policy options. Here are some of the more popular examples but we can often find insurance for difficult situations that are normally difficult to insure.
- Stand-alone umbrella – when your auto carrier doesn’t offer an umbrella coverage, or you have a factor that puts you at a higher risk.
- In-home business – when you have a small, in-home business that needs some liability and business personal property coverage.
- Vacant home insurance – when your home will be vacant because of prolonged absence, etc. We have a market that will even do replacement costs.
- EQ/Catastrophe – for stand-alone earthquake coverage, difference in conditions or flood insurance
- Directors and Officers Insurance or other professional liability.