Comprehensive Personal Lines Solutions From Van Wagoner Companies, Inc.
Van Wagoner Companies, Inc. offers brokers and independent agents access to a broad and flexible Personal Lines program tailored to meet a diverse set of residential and personal risks. As a Managing General Agency (MGA) with strong carrier relationships—including Lloyds and Markel International—we deliver customized solutions for hard-to-place, non-standard, and unique exposures across multiple states.
Ideal Accounts and Appetite
This program is designed for agents seeking to place a wide range of personal property and liability risks. Whether you’re working with high-value homeowners, seasonal dwellings, or vacant properties, Van Wagoner Companies can provide competitive solutions. Ideal risks include:
- Single-family homes, including high-value and historic homes
- Rental properties and secondary residences
- Vacant or unoccupied homes awaiting sale or renovation
- Condominiums and apartments
- Foreign-owned or out-of-country homes
- Homes located in flood-prone areas
- Personal articles and collections, such as fur or jewelry
- Farm and ranch properties with residential and agricultural exposures
Example: You might have a client who owns multiple rental dwellings in different states or a vacation property in a wildfire-prone area—Van Wagoner Companies can help you secure the right coverage for these scenarios.
Coverage Highlights and Advantages
The Personal Lines program includes access to both standard and specialty markets, offering a full spectrum of coverages:
Homeowners & Dwellings
- Homeowners Forms A, B, C, 1–6, 8
- Dwelling Fire (Forms TP 1, 2, 3)
- Condominiums and apartments
- Rental and vacant dwellings
- Flood insurance
- Foreign-owned homes
- Personal articles coverage for valuables such as fur, jewelry, and fine arts
Farm & Ranch
- Property coverage for homes, barns, and equipment
- Animal mortality coverage
- Farm liability, including premises and operations
With access to surplus and admitted markets, Van Wagoner Companies can accommodate unique property characteristics, lapse in coverage, or underwriting challenges that may limit standard carrier availability.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the risk profile and carrier, but our team works with you to find the most appropriate option for your client’s needs. We offer flexible underwriting guidelines and competitive pricing for both admitted and non-admitted business, ensuring you can place difficult or unusual risks with confidence.
Territories and Availability
This Personal Lines program is available in the following states: Arizona, Arkansas, California, Connecticut, Delaware, Idaho, Iowa, Nevada, New Mexico, Oklahoma, Pennsylvania, Texas, Utah, and Wyoming. We continue to expand our capabilities and encourage agents in these states to explore our offerings.
Why Work With Van Wagoner Companies, Inc.?
Van Wagoner Companies brings decades of experience as a Managing General Agency, specializing in personal property programs that don’t always fit traditional underwriting molds. Our strong carrier relationships and broad state reach empower you to serve clients with complex or unusual needs. We pride ourselves on personalized service, quick turnaround times, and a solution-oriented approach that helps you grow your book of business.
Frequently Asked Questions
What types of accounts are a good fit for this Personal Lines program?
This program is ideal for owner-occupied homes, rental properties, vacant dwellings, condominiums, foreign-owned homes, and farm or ranch properties with residential exposures.
Can you write coverage for vacant or seasonal homes?
Yes, Van Wagoner Companies offers solutions for both vacant and seasonal dwellings, including those awaiting renovation or sale.
Are high-value homes or collections eligible for coverage?
Yes, we can insure high-value homes and offer personal articles coverage for collections such as fur, jewelry, and fine arts.
Is this program available on an admitted or non-admitted basis?
We have access to both admitted and non-admitted markets, allowing flexibility depending on the risk and state-specific guidelines.
In which states is this Personal Lines program available?
Coverage is currently available in AZ, AR, CA, CT, DE, ID, IA, NV, NM, OK, PA, TX, UT, and WY.
Need help placing an account? Connect with a market specialist.