Personal Lines Insurance

Overview of the Program from Excel Insurance Services, Inc.

Excel Insurance Services, Inc. offers a Personal Lines Insurance program designed for independent agents who need flexible placement options for homeowners, dwelling fire, and personal umbrella risks. As an experienced managing general agency and excess & surplus lines broker, Excel provides access to multiple carrier markets and program enhancements that help you place challenging and higher-value personal accounts.

Ideal Accounts and Appetite

• Owner-occupied homeowners (HO-3), renters/tenants (HO-4), and condominium owners (HO-6), including coastal and higher-value units
• Dwelling policies for 1–4 family residential properties (owner- or tenant-occupied), seasonal and renovation risks
• Vacant and builder’s risk exposures written on DP-3 special form
• Rental properties and secondary residences — including programs that combine in-home business and inland marine coverages
• Personal umbrella targets: limits from $1M to $10M for homeowners and autos, and accounts with motorcycles, ATVs, jet skis, snowmobiles and similar exposures
• Accounts with non-standard features that other markets may decline — for example, properties with underground oil tanks or homeowners with previously excluded dog breeds (subject to underwriting)

Coverage Highlights and Advantages

• Expanded program options for HO-3, HO-4 and HO-6 forms, including availability in an admitted market for certain risks
• Recent overall rate reductions (approximate 25% reduction approved across the program)
• Ability to consider properties with underground oil tanks and other previously restricted exposures
• DP-3 special-form wording available for vacant and builder’s risk accounts
• Improved coastal HO-6 pricing and increased limits for high-value homeowners
• Now-eligible formerly prohibited dog breeds (subject to individual underwriting review)
• Optional enhancements such as identity fraud expense, extended replacement cost, and water backup/dump discharge coverage
• Personal umbrella limits available from $1 million up to $10 million to protect high-net-worth or high-exposure clients

Underwriting Notes and Minimum Premiums

Underwriting is handled with flexibility by Excel’s team and the program carriers. Standard submission requirements include a completed application, up-to-date loss history, protection class and roof information, and photos for higher-risk or vacant properties. Minimum premiums start at $350. Each risk is evaluated on its individual facts — factors such as vacancy status, renovation timelines, oil tank presence, and prior losses will affect placement options.

Territories and Availability

This program is available in DE, NJ, NY and PA. Excel places business through multiple carrier markets — a combination of admitted and non-admitted capacity is used depending on the risk. State-specific rules and eligibility apply; present the full submission so Excel underwriters can identify the best market fit.

Why Work with Excel Insurance Services, Inc.?

• Specialized MGA/E&S expertise that helps you place both routine and hard-to-place personal lines business.
• Access to multiple markets and program enhancements that reduce rate and coverage friction for coastal, vacant, high-value, and otherwise challenged accounts.
• Responsive underwriting and placement strategies — Excel can route difficult risks to admitted or surplus lines options as appropriate.
• Practical coverages and endorsements tailored for today’s personal lines exposures (identity fraud expense, extended replacement cost, water backup, etc.).

Sample account scenarios

• You have a condo owner in a coastal NJ community with high prior rebuild values — Excel’s improved HO-6 coastal rates and increased limits can make this account competitive.
• You’re placing a 2-family renovation that will be vacant during work — DP-3 builder’s risk wording and vacant risk options help you secure appropriate protection.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.