Ideal Accounts and Appetite
This program is designed for agents seeking a reliable solution for standard and non-standard homeowners risks. We welcome difficult-to-place accounts, including:
- Homes with prior losses or prior declinations
- Lower-value homes that are still in good condition
- Higher-value homes needing broader coverage options
- New purchases or properties with no prior insurance history
- Homes located in distressed or challenging markets
You might have a client with a newly purchased coastal vacation home or a rental property with a claim history — both could be a good fit for our underwriting appetite.
Coverage Highlights and Advantages
Base coverage includes key protections such as:
- Personal Property
- Comprehensive Personal Liability
- Medical Payments
- Other Structure Coverage
- Loss of Use
Optional enhancements are available to tailor coverage to your client’s specific exposures:
- Extended Replacement Cost
- Identity Fraud Expense
- Water Back-Up and Sump Overflow
- Extended Liability for rental or secondary residences
- Builder’s Risk/Course of Construction
- In-Home Business (available in select states)
- Personal Injury
- Loss Assessment
Underwriting Notes and Minimum Premiums
With a minimum premium starting at just $750, our homeowners program is competitively priced for a wide range of risks. We aim to provide quick, responsive underwriting for both standard and more complex accounts. Our process is built to support agents who are struggling to place business in traditional markets.
Territories and Availability
Our Homeowners Insurance program is available in the following New England states:
- Connecticut (CT)
- Maine (ME)
- Massachusetts (MA)
- New Hampshire (NH)
- Rhode Island (RI)
- Vermont (VT)
We offer access to both admitted and non-admitted markets, depending on the account and location, providing flexibility in placement.
Why Work With The Distel Group
Joseph Distel & Co. Inc., operating as The Distel Group, is a trusted Managing General Agency and E&S Broker with a strong focus on solving placement challenges for independent agents. We specialize in tough risks where other markets may have declined or priced out your clients. Our carrier access is diverse, and our team is committed to helping agents succeed in placing even the most unusual homeowner accounts.
Frequently Asked Questions
What types of accounts are a good fit for this homeowners program?
We can place primary or secondary residences, rental properties, condos, and homes with prior losses, declinations, or no prior insurance.
Are there optional coverages available?
Yes, we offer several optional endorsements, including Extended Replacement Cost, Identity Fraud Expense, Water Back-Up, and Personal Injury.
Which states is this program available in?
This program is available in Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.
Do you accept homes with prior claims?
Yes, we specialize in helping agents place accounts with prior losses or declinations that may have been turned down by standard markets.
What is the minimum premium for this program?
The minimum premium starts at $750, depending on the risk characteristics and coverage selected.
Need help placing an account? Connect with a market specialist.