Boat Owner's (Available in NC/SC/VA) 

• Lengths up to 68 feet 

• 55mph maximum speed 

• Up to 30 years of age (marine survey may be requested at binding) 

• Drivers must be 21 years of age 

• DUI's accepted after 3 years 

• Will review loss history 

• Trailer coverage up to $2,500 

• Most boat types acceptable 

• Ownership: individuals and corporations 

• Values up to $750,000 

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High-value Homeowners (Available in NC/SC/VA/FL) 

• Very competitive rates 

• Minimum Value:
  $300,000 Non-Coastal
  $500,000 Coastal 

• No Maximium Limits 

• Available in beach/seacoast areas 

• "A" Rated companies 

• Quick turn-around time 

• Direct Bill available 

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HO3 (Available in NC/SC/VA) 
Simplified Guidelines!

• Seasonal & Secondary homes eligible 

• Liberal on loss histories 

• No credit scoring 

• Coverage A: $50,000 - $300,000 

• Coverage B: 5% Coverage A (10% Available) 

• Coverage C: 25% Coverage A (40% Available) 

• Coverage D: 10% Coverage A 

• Coverage E: $100,000/ occurrence ($300,000 Available) 

• Coverage F: $2,000/ person, $10,000/ accident 

• Wind Hail Deductible: 
  2-10 miles from ocean: 2% 
  10-20 miles from ocean: 1% ($1,000 min) 

• All Other Perils (AOP) Deductible: $500

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HO4 (Available in NC/ SC/VA) 
Reduced Rates!

• Includes wind/hail ,quake, RC on contents 

• Will write in beach/seacoast zones 

• Coverage C: $10,000 - $40,000 

• Loss of Use: 20% Coverage C 

• Liability: $100,000 

• Medical Payments: $500

• $2,000 Burglary (On Premises) Coverage in lieu of theft 

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HO6 (Available in NC/SC/VA) 
Reduced Rates!

• Includes wind/hail, earthquake, flood, wind driven rain, & RC on Contents 

• Will write in beach/seacoast zones 

• Coverage A: $5,000 - $25,000

• Coverage C: $10,000 - $75,000 

• Coverage D: 40% Coverage C (Loss of Use)

• Coverage E: $300,000 per occurrence 

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HO8 (Available in NC/SC/VA) 
Simplified Guidelines!

• Seasonal and secondary homes eligible 

• Liberal on loss history 

• No credit scoring 

• Coverage A: $40,000 - $75,000 (100% ACV) 

• Coverage B: $1,000 

• Coverage C: 25% Coverage A 

• Coverage D: 10% Coverage A 

• Coverage E: $50,000 per occurrence 

• Coverage F: $500 

• Wind Hail Deductible: 

  2-10 miles from ocean: 2% 

  10-20 miles from ocean: 1% ($1,000 min) 

• All Other Perils (AOP) Deductible: $500

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 Personal Umbrella - Monoline (Available in NC/SC/VA/FL)

• Limits up to $10,000,000 available

• Violations and DUI's accepted

• Young drivers accepted

• Personalities, Sports Notables, etc. accepted

• Very competitive rates

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