Admitted Personal Lines, Homeowners

Admitted Personal Lines


St. James Insurance Group markets and or underwrites Homeowner coverage on behalf of several admitted carriers.

Underwriting guidelines vary between available markets.  Aggregate management issues subject certain regions to capacity limitations. Coverage is available in Florida and South Carolina.

General Program Parameters

  • Coverage “A” Dwelling limits $70,000 to $2,000,000 +.
  • Standard AOP deductible $1,000.
  • Standard Hurricane or wind deductible - 2% (varies by program).
  • Tidal water setback applies and varies by program.
  • Proof of Updates (Electrical, Plumbing, Roof and Heating/Cooling) varies by program.
  • Mobile and manufactured constructed dwellings are ineligible.