Residential Liability Insurance

Ideal Accounts and Appetite

This program is a strong fit for:

• Homeowners seeking Comprehensive Personal Liability (CPL) for primary, owner-occupied residences
• Property owners needing Premises Liability for rental, vacant, seasonal, or short-term vacation dwellings
• Short-term vacation rental exposures (provided under Premises Liability)
• Properties titled in corporations or LLCs (eligible under Premises Liability)

Not a fit: risks where owner-occupied properties or personal liability coverage are required but the title is held in a corporate name; CPL is restricted to personal, owner-occupied risks only.

Coverage Highlights and Advantages

Comprehensive Personal Liability (CPL):

• Portable coverage that follows the insured personally
• Intended for primary, owner-occupied residences
• CPL is not available for risks titled in a corporate name

Premises Liability:

• Coverage limited to the insured location
• Available for rental, vacant, seasonal, or short-term rental properties
• Corporate or LLC ownership accepted
• Endorsement DL 2411 may be added where appropriate

Optional endorsements that help tailor policies include:

• Medical Payments
• Acreage
• Personal Injury (available for CPL only)
• Day Care endorsement (available for CPL only)
• Short-term vacation rental endorsement (Premises Liability only)

Underwriting Notes and Minimum Premiums

Colonial General works with multiple admitted and non-admitted carriers to place risks based on occupancy, ownership structure, and liability exposure. Underwriters review each submission for factors such as whether the property is owner-occupied, the presence of short-term rental activity, condition of the premises, and corporate titling. No specific minimum premium is listed here; pricing is competitive and determined by the carrier and risk characteristics.

Territories and Availability

This program is available in the following states:

• Arizona (AZ)
• California (CA)
• Colorado (CO)
• Idaho (ID)
• Nevada (NV)
• New Mexico (NM)
• Utah (UT)
• Wyoming (WY)

Why Work With Colonial General?

As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep underwriting experience in personal and commercial lines across the Western U.S. Their advantages include responsive service, flexible underwriting, and access to multiple carrier markets—helpful when you’re placing non-standard occupancy types, corporate-owned properties, or short-term rental exposures.

Example account scenarios:

• You have a client who owns a vacant rental home titled in an LLC in Nevada — this is typically a good placement under Premises Liability.
• You’re working with a Utah homeowner who operates a small in-home daycare — this exposure may be placed under CPL with the appropriate daycare endorsement.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.