Personal Inland Marine Insurance

• Short-term or annual policy options available
• Named perils coverage (including burglary) with Actual Cash Value settlement
• Insured premises and storage units must be secured
• $250 base deductible; higher deductible options available
• Competitive pricing across eligible risks

• As of 2007, 1 in 10 U.S. households rented space in a storage facility, up from 1 in 17 in 1995.
• There are over 48,000 storage facilities across the U.S.
• Self-storage facilities typically do not assume responsibility for stored items.
• Some homeowners policies offer limited off-premises protection, often with higher deductibles than a tenant policy.
• Water damage is a common tenant claim; facility owners are liable only when negligence is proven.

• Michigan
• Ohio
• Illinois
• Indiana
• Wisconsin

* 24-hour turnaround on most quotes — often same-day

* Direct bill options for many personal lines accounts

* Easy access to knowledgeable, responsive underwriters for:

• Online rating and submissions
• Phone quotes and underwriting support
• Coverage clarifications and endorsements
• Financing quotes when needed

Types of accounts we’re currently having success with:

• Dwelling/Fire
• Homeowners (including high-value homes)
• Personal Inland Marine (including mini-storage contents)
• Personal Umbrella (including high-risk drivers)
• In-home business exposures

All personal lines markets we represent are A-rated. We place both admitted and non-admitted paper to give you broader options for your clients.