Personal Lines Coverage Solutions from MAXIMUM
MAXIMUM is a wholesale broker specializing in flexible, rapid solutions for personal lines accounts that are difficult to place in the standard market. With access to top-rated admitted and non-admitted carriers — including Essex, Fireman’s Fund Prestige Solutions, Lexington, Lloyd’s of London, and Redland — we help agents and brokers place residential property risks that require specialty underwriting. Whether the exposure involves coastal wind, prior loss history, uncommon construction, or non-standard ownership, our underwriting team works to find a tailored placement.
Ideal Accounts and Appetite
This program is built for personal property risks that commonly fall outside admitted carrier guidelines. MAXIMUM regularly places:
- Coastal homes, including properties in hurricane- and high-wind zones
- Secondary, seasonal, and vacation residences, with or without coastal and earthquake exposures
- Homes under construction or undergoing significant remodeling
- Vacant dwellings and short- or long-term rentals
- Properties with prior claim activity or a loss history
- Homes in unprotected fire zones (PC 9 & 10), such as California brush areas
- Stand-alone Earthquake and excess Flood coverage options
- Properties titled in LLCs or trusts
- Homes with nonstandard exteriors like EFIS or DRIVIT stucco
- Florida homeowner risks, including coastal exposures
Example scenarios: you might have a client who owns a seasonal beach house in a high wind zone, or an investor with multiple vacant rental properties titled in an LLC. Those are the types of accounts we place regularly.
Coverage Highlights and Advantages
We offer flexible forms and capacity options to match each exposure. Depending on carrier appetite and the individual risk, available coverages may include:
- Flexible limits and deductible structures aligned to property type and location
- All-risk, named-peril, or specialty peril policy forms
- Coverage for unique construction types and non-standard materials
- Wind, flood, and earthquake coverage available on a stand-alone or excess basis
Our market access across admitted and non-admitted carriers allows us to place accounts that admitted markets may decline, while helping maintain compliance where admitted coverage is preferable.
Underwriting Notes
MAXIMUM underwrites a broad spectrum of residential risks — from high-value vacation homes to previously uninsured or distressed properties. We evaluate each submission on its merits: occupancy, construction, mitigation measures, loss history, and location all factor into placement options and pricing. There is no publicly listed minimum premium; pricing is competitive and scaled to the complexity and location of the risk. Submission requirements vary by account but typically include a completed application, detailed property information, and loss history.
Territories and Availability
Our personal lines solutions are available in most states, including coastal and catastrophe-prone regions. We offer admitted placements where available and non-admitted capacity for risks that fall outside admitted guidelines.
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, 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, WV, WI, WY
Why Work With MAXIMUM
Agents and brokers choose MAXIMUM for our underwriting expertise, fast service, and creative placement options. We combine strong carrier relationships with practical underwriting to move difficult accounts toward binding quickly. Our team will help you identify the best admitted or non-admitted avenue, outline submission requirements, and explain available coverages so you can retain business that otherwise might be declined.
Whether you need to place a single challenging home or grow a book of specialty personal lines business, MAXIMUM offers the market access and underwriting support to help you succeed.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for coastal properties, seasonal or secondary homes, vacant or rental dwellings, and homes with prior loss history or unique construction features.
Is coverage available for properties located in high-risk areas like California or Florida?
Yes. MAXIMUM offers solutions for high-risk territories including California brush zones and Florida coastal properties. Stand-alone Earthquake and excess Flood options are also available.
Can properties titled in an LLC or trust be covered?
Yes. We can place coverage for properties owned by LLCs or held in trusts, which many standard carriers decline.
Are admitted markets available for this personal lines program?
Admitted markets are available in most states where appropriate. For risks outside admitted guidelines, we can access strong non-admitted carriers.
What documentation is needed to submit a risk?
Submission requirements vary, but typically include a completed application, property details (construction, year built, occupancy), and loss history. Contact MAXIMUM for specific underwriting requirements for your submission.
Need help placing an account? Connect with a market specialist.