Overview — MacNeill Group Inc. Home Property Insurance
As a homeowner anything can happen — from accidental property damage to natural catastrophes. MacNeill Group Inc. offers a flexible Home Property Insurance program designed for independent agents and brokers to place homeowners accounts with tailored coverage options. Our program lets you build a package around each insured’s needs so they aren’t left uninsured for exposures they didn’t expect.
Homeowners property insurance is most valuable for losses outside a homeowner’s control. Prepared clients recover faster and face fewer financial gaps after a loss.
With MacNeill Group’s Home Property Insurance you can include coverages such as theft/theft damage, personal liability, windstorm damage, property damage and more. Policies should be based on the cost to repair or rebuild the home (replacement cost), not the market resale value — and our program supports limits and endorsements that reflect that approach.
Program Highlights:
Our program also has Specialized Risks such as:
Ideal Accounts and Appetite
This program is a fit when you need flexible property forms and endorsements, including risks that standard carriers often decline. Typical accounts include:
- Primary homeowners seeking broad HO-3 or condo unitowners HO-6 protection;
- Clients buying or renovating homes where builders risk/course-of-construction coverage is needed;
- Owner-occupied or small rental properties that need liability and water-backup/overflow protection;
- Higher-value residences or lower-value homes in good condition that require tailored limits up to $1M TIV;
- Properties in tougher wind/hurricane territories (PC-9/PC-10) where wind coverage is required.
Coverage Advantages and Service
MacNeill Group’s underwriting emphasizes practical, customizable solutions rather than one-size-fits-all packages. Key advantages for you and your clients:
- Form flexibility (HO-3 / HO-4 / HO-6 / HO-8) plus builders risk options;
- Available endorsements for identity/fraud, assessment loss, water backup and overflow;
- Capacity up to $1M TIV and willingness to consider accounts with prior declinations or losses;
- Liability options that cover rental exposures and personal injury losses;
- Responsive underwriting from an MGA that works with various carriers to place unusual or borderline risks.
Underwriting Notes and Minimum Premiums
Underwriting looks at construction, proximity to coastal/wind exposures, prior loss history and the accuracy of replacement cost valuations. Minimum premium varies by risk and carrier; please submit details for an indication. MacNeill Group evaluates each submission on its individual merits and can consider accounts declined elsewhere.
Territories, Admitted Status and Availability
This program is placed by MacNeill Group Inc., a Managing General Agency, and is currently available in FL. The product is positioned on a non-admitted basis; confirm state placement options and regulatory requirements for each submission.
Why Work With MacNeill Group Inc.
MacNeill Group combines targeted homeowners appetite with flexible forms and practical endorsements. For agents this means better placement options for complex homeowners risks, quicker access to specialized endorsements, and an underwriting partner willing to review accounts that need exceptions or higher limits. You can rely on MacNeill Group when a client needs tailored protection beyond standard market offerings.
Please contact us if you would like a quote or additional information about MacNeill Group’s Home Property Insurance program.
Frequently Asked Questions
What types of homeowners accounts are the best fit for this program?
Accounts that need flexible forms (HO-3/HO-4/HO-6/HO-8), builders risk for course of construction, higher limits up to $1M TIV, or specialized endorsements (identity/fraud, water backup, assessment loss). We also consider properties with prior declinations or prior losses.
Is this program admitted in any states?
The program is positioned on a non-admitted basis and is currently available for placement in Florida. Confirm availability and any state-specific filing requirements on submission.
How should I report values on submissions?
Provide accurate replacement cost or estimated rebuild cost rather than market value. Underwriting reviews construction details, age, and mitigation measures to determine appropriate limits and endorsements.
Are rental properties eligible?
Yes. The program offers liability coverage options for small rental properties and owner-occupied rentals. Provide occupancy details and tenant information for proper liability evaluation.
What information speeds placement?
Include property construction type, age, full replacement cost estimate, prior loss history, occupancy/use, and any prior declinations. Photos and current inspection reports help expedite underwriting.
Need help placing an account? Connect with a market specialist.