Residential Property Insurance Solutions from A.I.I. Insurance Brokerage of MA
A.I.I. Insurance Brokerage of MA offers residential property insurance solutions tailored for hard-to-place risks in the New England region. As an Excess & Surplus Lines Broker with access to various markets, A.I.I. specializes in helping agents and brokers secure coverage for unique or challenging residential exposures that may not fit standard markets.
Ideal Accounts and Appetite
This program is well-suited for brokers looking to place properties that fall outside traditional underwriting guidelines. Target risks include:
- Coastal Properties – Homes located near the shoreline that face windstorm or flood exposures.
- High Valued Homeowners – Luxury or custom-built homes requiring higher limits and specialized valuation.
- Vacant Properties – Residential buildings that are temporarily unoccupied and need protection during transition periods.
Whether your client has a newly acquired vacation home on the Massachusetts coast, or a high-net-worth homeowner in Connecticut with unique coverage needs, A.I.I. can help you find a market that fits.
Coverage Highlights and Advantages
Through A.I.I.'s network of non-admitted carriers, you can access flexible solutions for non-standard residential risks. Coverage options may include:
- Named or all-risk perils, depending on risk profile
- Wind and hurricane coverage where available
- Customizable limits and deductibles
- Coverage for vacant or seasonal dwellings
- Protection for unique construction types or usages
Markets are chosen based on the specific characteristics of the risk, helping you place coverage even when standard carriers decline.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the risk type, location, and carrier. A.I.I. will work with you to evaluate submissions and match them to available markets. Submissions should include complete property details, occupancy status, prior loss history, and any special hazards (e.g., coastal exposure, vacancy, renovations).
Territories and Availability
This residential property insurance program is currently available in the following states:
- Connecticut (CT)
- Massachusetts (MA)
- New Hampshire (NH)
- Rhode Island (RI)
Coverage options and market availability may vary by state. The program is primarily placed through non-admitted carriers due to the nature of the risks.
Why Work With A.I.I. Insurance Brokerage of MA
A.I.I. Insurance Brokerage of MA brings niche expertise and market access to help you place residential property accounts that don’t meet standard carrier criteria. With a deep understanding of E&S markets and a commitment to responsive service, A.I.I. supports agents throughout the submission process—from quoting to binding.
When you need a reliable partner to help you place a high-value coastal home or a temporarily vacant dwelling, A.I.I. is ready to assist.