Non-Admitted
Homeowners
St. James Insurance Group markets homeowners property coverage on behalf of an A.M. Best rated A XV carrier on an excess and surplus lines basis.
Florida General Program Parameters
Homeowners Including Wind Coverage
- Programs available: HO3
- Coverage A limits of $250,000 - $1,000,000
- Customizable limits available for Coverage B, C, D, E, and F
- No distance to coast setbacks, even on policies that include wind coverage
- Homes may be written in LLC, trusts, or corporate names
- Seasonal and Secondary homes are eligible
- Online system allows for quick quotes
- Online Credit Card and E-Check payment options
High Value Homeowners Excluding Wind Coverage
- Programs available: HO3, HO6
- Coverage A limits of $350,000 - $3,000,000
- Optional Deductible based on Coverage A limit
- Primary, Secondary and Seasonal Homes
- Homes may be written in LLC, trusts, or corporate names
- Homes $1 Million and over require a central station burglar and fire alarm
- Appraisals will be ordered on all new bound policies
Delaware, Maryland and Virginia General Program Parameters
Homeowners Including Wind Coverage
- Programs available: HO3
- Coverage A limits of $200,000 - $3,000,000, higher limits may be submitted
- Customizable limits available for Coverage B, C, D, E, and F
- No distance to coast setbacks, even on policies that include wind coverage
- Homes may be written in LLC, trusts, or corporate names
- Seasonal and Secondary homes are eligible
- Online system allows for quick quotes