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Our Homeowners Insurance Market Specializes in: ...et is a 24-hour turnaround on most homeowners quotes, and many requests receiv...

RISCO offers binding authority Homeowners Insurance solutions tailored for ha...ccounts are a good fit for RISCO’s Homeowners Insurance program?This program i...

...C's Home Select is a High-Value Homeowners Insurance solution tailored for hom...ay to discuss your next High-Value Homeowners Insurance submission. Frequentl...

Builders Risk Insurance J.M. Wilson offers a flexible and comprehensive Builders Risk Insurance program tailored to meet the needs of your clients with residential or commercial construction projects. Whether you're working with ground-up construction, remodels, or renovations, our inland marine product delivers reliable protection during the course of construction. Coverage is available for both short-term and long-term projects. Ideal Accounts and Appetite This program is designed for a variety of construction exposures, including but not limited to: New residential home builds Homes undergoing renovation or remodeling Light commercial construction projects We write Builders Risk policies for structures including frame and brick veneer, joisted masonry, non-combustible, masonry non-combustible, and fire resistive construction types. If you have a client building a single-family home from the ground up or renovating a small commercial space, this program may be a great fit. Coverage Highlights and Advantages Policy terms available for 3, 6, or 12 months – fully earned Limits up to $1 million in liability Minimum deductible of $1,000 Replacement cost valuation Low minimum premiums Optional coverages include theft of building materials and extended builder's risk coverage All inspections are conducted by and at the expense of the company, helping streamline the underwriting process and reduce hassle for your insureds. Underwriting Notes and Minimum Premiums Our underwriting team is experienced in evaluating a wide variety of construction-related risks. Minimum premiums vary depending on the size, type, and location of the project. We work with both admitted and non-admitted markets, offering flexibility for harder-to-place risks or unique construction scenarios. Territories and Availability This program is available in the following states: AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Admitted options are available in some markets, with access to a range of carriers to help find the best solution for your client's needs. Why Work With J.M. Wilson? As a Managing General Agency and Excess & Surplus Lines Broker, J.M. Wilson brings decades of experience and strong carrier relationships to help independent agents place construction-related risks with confidence. We represent a variety of carriers across both admitted and non-admitted markets, giving you the tools to serve standard and hard-to-place accounts alike. Our responsive service, underwriting expertise, and focus on agent success make us a trusted partner for Builders Risk Insurance placements. Frequently Asked Questions What types of accounts are a good fit for this Builders Risk program?Ideal accounts include new residential home construction, homes undergoing renovation, and small to mid-size commercial construction projects. Are both admitted and non-admitted carriers available?Yes, we work with multiple carriers and offer both admitted and non-admitted options depending on the state and risk characteristics. What is the minimum policy term offered?Policy terms are available for 3, 6, or 12 months, depending on the needs of the project. Is theft of building materials covered?Theft coverage is available as an optional endorsement and can be added to eligible policies upon request. Which states is this program available in?This program is available in AL, AR, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, NE, NC, OH, OK, PA, SC, TN, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

...rogram is ideal for residential homeowners, landlords with multiple properties...

Overview of the Vacant Dwelling Insurance Program from Jacobs & Associates Jacobs & Associates offers a specialized Vacant Dwelling Insurance program designed for residential and commercial buildings that are temporarily unoccupied. Whether your client owns a vacant home awaiting sale or a commercial property under renovation, this program provides flexible coverage options to meet their unique needs. As an Excess & Surplus Lines Broker, Jacobs & Associates gives agents access to a range of markets through non-admitted carriers, helping you place challenging risks with confidence. Eligible Classes: - Vacant dwellings with or without renovations - Vacant commercial buildings with or without renovations - Builders risk – both residential and commercial Coverage Highlights and Advantages: Jacobs & Associates uses ISO coverage forms to ensure comprehensive protection for your clients’ vacant properties. Key forms include: - Building & Personal Property – CP0010 - Builders Risk – CP0020 - Condo Unit Owners – CP0018 Additional features include: Basic Causes of Loss Form – ISO CP1010 Premises Liability Coverage – ISO CG0001 No coverage for theft or water damage Policy Terms: - 3, 6, or 12-month terms available - Quarterly payment options on 12-month policies Deductibles: - Property (no renovations): $250 per occurrence - Property (with renovations): $500 per occurrence - Liability: $250 per occurrence Minimum Retained Premiums: - Annual Policy: 25% or $100 (whichever is greater) - Six-Month Policy: 50% or $100 (whichever is greater) - Three-Month Policy: 25% or $100 (whichever is greater) Territories and Availability: This Vacant Dwelling Insurance program is currently available to agents and brokers placing risks in Ohio (OH). Why Work With Jacobs & Associates? As a trusted Excess & Surplus Lines Broker, Jacobs & Associates has access to a broad range of markets and can help you place difficult-to-insure vacant properties. Whether you're working with a homeowner waiting to sell or a commercial investor renovating an office building, Jacobs & Associates offers flexible terms, clear underwriting guidelines, and helpful service to support your business. You might have a client with a vacant duplex undergoing minor renovations before sale, or a commercial developer with a retail space awaiting a new tenant. This program can help you cover both scenarios effectively. Learn more about Jacobs & Associates on their CompleteMarkets profile. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include vacant residential homes, commercial buildings under renovation, and properties requiring builders risk coverage for short durations. Is this program available outside of Ohio?Currently, Jacobs & Associates offers this Vacant Dwelling Insurance program exclusively in Ohio. Are theft and water damage covered under this policy?No, this program does not provide coverage for theft or water damage. Can I get coverage for a property undergoing renovations?Yes, both residential and commercial properties with or without renovations are eligible under this program. What are the available policy terms?Policies can be written for 3, 6, or 12 months, with quarterly installments available on 12-month terms. Need help placing an account? Connect with a market specialist.

Policy Highlights for Builders' Risk Insurance: If your clients are involved in construction or renovation, Colonial General Insurance Agency, Inc. offers a flexible, competitive Builders' Risk program to protect structures and materials during the course of construction. The program accommodates new builds and remodeling projects and is available through select admitted and non-admitted markets, giving you options for standard and harder-to-place risks. Overview of the Builders' Risk Program from Colonial General Colonial General Insurance Agency, Inc. is a regional Managing General Agency and Excess & Surplus Lines broker serving independent agents across the Western United States. With underwriting relationships across admitted and non-admitted carriers, Colonial General can offer tailored Builders' Risk solutions for contractors, developers, builders and property owners. The program supports projects from single-family custom homes to light commercial builds and renovations. Ideal Accounts and Appetite This Builders' Risk program works well for: Residential builders (single-family and multi-family) Light commercial construction (retail, small office, tenant improvements) Remodeling and renovation contractors Developers managing ground-up construction Property owners overseeing their own build projects Projects that present well typically have clear timelines, licensed contractors, required permits, and documented contract values. Colonial General can consider both frame and non-combustible construction; high-hazard projects, large-scale commercial mega-projects, or accounts with unstable work schedules may be less likely to fit without additional underwriting detail. Coverage Highlights and Advantages Property coverage options include: Basic, Broad, or Special Form physical damage coverage Coverage for the building under construction Building materials and supplies in transit or at an unscheduled storage location (standard $5,000 limit; higher limits available on request) Contents and Contractors’ Equipment coverage Equipment Breakdown protection Installation Floater for subcontracted work and materials Replacement Cost valuation where applicable These features help protect clients from theft, fire, vandalism, weather events, and mechanical or equipment failures during the build period. Underwriting Notes Colonial General evaluates submissions individually and offers flexibility across carrier partners. Underwriters will review project scope, construction type, contract language, security controls, and project timeline. Be prepared to provide plans, contractor information, project schedule, and a completed application. Minimum premiums vary by project type, location, and coverage selections—contact Colonial General for specific underwriting and minimum premium guidance on each submission. 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) Availability can vary by specific project location and risk characteristics, particularly in wind, hail, or other catastrophe-prone areas. Why Work With Colonial General Colonial General combines regional construction expertise with access to both admitted and non-admitted markets, helping agents place standard and more complex Builders' Risk business. Their underwriting team is focused on responsive service and practical solutions, which helps when submitting non-standard projects or when tailored coverage forms are needed. Using Colonial General can speed placement and broaden options for clients who need flexible terms or higher limits. Example scenarios where this program typically fits: You have a client building a cluster of custom single-family homes who needs replacement-cost coverage and materials-in-transit protection. You represent a small developer renovating a retail strip with a defined schedule and licensed subcontractors requiring Builders' Risk during the renovation. Frequently Asked Questions What types of accounts are a good fit for this Builders' Risk program?This program is ideal for residential and light commercial construction projects, including new builds, remodels, and renovations managed by contractors, developers, or property owners. Can this program cover materials in transit or temporary storage?Yes. The program includes a $5,000 limit for building materials and supplies while in transit or at an unscheduled storage location. Higher limits can be requested on submission. Is coverage available for both new construction and renovations?Yes. Colonial General offers Builders' Risk policies for ground-up construction and renovation projects, including interior remodels and structural changes. What states is this Builders' Risk program available in?Coverage is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Specific availability depends on project details and location. Do you work with admitted or non-admitted carriers?Colonial General accesses both admitted and non-admitted markets, providing flexibility to match coverage needs to each project's risk profile. Need help placing an account? Connect with a market specialist.