Ideal Accounts and Appetite
This program is designed for tenants residing in various types of rented properties, including:
- Condominiums, apartments, or other residential rental dwellings
- Secondary and seasonal rental units
- Properties owned by Trusts, Estates, Limited or Family Partnerships, and LLCs
We are open to risks that may fall outside of standard admitted markets, including those with prior loss history or located in Protection Classes 1 through 9. If you have an account that's been declined elsewhere due to claims or unique ownership structure, we may be able to help.
Coverage Highlights and Advantages
- Replacement Cost coverage available on contents
- Flexible underwriting for risks with prior losses
- Capacity to write seasonal and secondary homes
- Support for non-individual insureds (LLCs, Trusts, etc.)
- Access to a financially strong, "A++" rated carrier through United States Liability
Example scenarios include a client renting a second home at the beach, or a tenant with a small past fire loss who now needs replacement cost coverage on contents.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on risk characteristics and location. We work closely with agents to evaluate each submission on its individual merits. Risks with prior losses or unique exposures are welcome for consideration.
Territories and Availability
This Renters Insurance program is available to agents and brokers in the following states: CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC. We provide solutions across a wide geographic footprint and understand the nuances of placing renters insurance in both urban and rural markets.
Why Work With Atlantic Specialty Lines, Inc.?
As a well-established Excess & Surplus Lines broker, Atlantic Specialty Lines, Inc. is committed to delivering top-tier service and underwriting support. We value our long-standing agency partnerships and aim to make the placement process efficient and responsive. Our access to top-rated markets and our experience with non-standard risks allow us to offer flexible solutions where others may not.
Thank you for trusting Atlantic Specialty Lines, Inc. with your wholesale insurance needs. We look forward to helping you place your next renters risk.
Frequently Asked Questions
What types of accounts are a good fit for this Renters Insurance program?
Ideal accounts include tenants of condos, apartments, and other rental properties—especially those owned by Trusts, Estates, LLCs, or used as seasonal or secondary residences.
Can you write risks with prior claims?
Yes, we can consider accounts with a history of prior losses. Each submission is reviewed individually to find the best possible solution.
Is replacement cost coverage available for contents?
Yes, replacement cost on contents is available and can be included based on underwriting eligibility.
What states is this program available in?
We offer this program in CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC.
What carrier backs this program?
This Renters Insurance program is placed through United States Liability, an "A++" rated carrier.
Need help placing an account? Connect with a market specialist.