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