Overview — Halcyon Underwriters: Personal Lines Insurance
Halcyon Underwriters offers dedicated markets and underwriting expertise for high net worth personal lines accounts. Our program places large-value homeowners, high-value automobiles and related personal exposures through carriers rated A- or better by A.M. Best. We can quote and bind full personal accounts or, in many situations, consider standalone homeowners, automobile, or jewelry submissions.
Personal Lines Carriers
- Chubb Masterpiece
- Fireman's Fund Prestige
- Safeco (excluding: homes, condos, and apartments)
- Travelers of Florida (Personal Auto ONLY)
- Lexington Elite (Surplus Lines)
Eligible Classes and Typical Risks
- High-value homeowners and contents
- Condominiums and renters with higher combined limits
- Jewelry and personal articles
- High-value automobiles and collector cars
- Yachts (over 80 ft) and personal watercraft (under 26 ft)
- Motorcycles
- Excess liability (typically packaged with other personal lines)
Coverage Highlights and Advantages
- Access to admitted and surplus markets rated A- or better, with carrier claim-handling experience appropriate for high net worth clients.
- Ability to place entire personal accounts or select standalone lines where permitted (automobile and jewelry commonly accepted alone).
- Wind and hail coverage available for most inland and many coastal counties when non-cat premium balances are met.
- Experienced personal lines underwriters who prioritize timely service and placement guidance for complex accounts.
Underwriting Notes and Minimums
Minimum dwelling limits typically start at $500,000 or higher for Chubb and Fireman's Fund; Lexington Coastal and Inland programs also start at $500,000. Minimum condo/renters combined building and contents value is $150,000. Standalone automobile coverage is available in many situations.
- Homes in coastal regions generally must be fully shuttered or have approved impact glass to qualify for wind and hail coverage.
- Coastal counties often require additional supporting lines on the account to meet minimum premiums and non-cat balances.
- Excess liability/umbrella coverage is not typically accepted on a mono-line (standalone) basis.
- Minimum premium guidance: $15K (program minimums apply; actual premium varies by carrier and risk).
Territories and Admitted Status
Available across the listed states below. Halcyon places business through admitted and non-admitted markets as appropriate for the risk and carrier appetite.
States available: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
What Fits Best — Example Accounts
- High-value coastal homeowner: A client with a $2M home seeking comprehensive property, scheduled jewelry, and excess liability — program markets can package the required lines and meet coastal underwriting requirements (impact glass/shutters and supporting lines).
- Collector car owner: An insured with multiple collectible automobiles seeking agreed-value coverage and specialty auto markets — standalone auto placement is often available through our carrier panel.
Why Work With Halcyon Underwriters
- Specialized focus on high net worth personal lines and coordinated placement across multiple A-rated carriers.
- Underwriters with hands-on experience handling complex valuations, scheduled property, and high limits.
- Flexible placement options — admitted and surplus markets, partial account placements, and standalone lines when appropriate.
- Responsive service and guidance on coastal requirements, non-cat premium balancing, and minimum premium expectations.
Ineligible business: homeowners dwelling coverage below $500,000 and excess liability/umbrella on a mono-line basis are generally not eligible.
For additional information, please contact Sarah Cadle at scadle