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Personal Lines Insurance For MD, NC, and VA Representing the following companies: American Modern Home American Modern Insurance Group is rated A+ (Superior) by A.M. Best and has been recognized for more than a decade by the Ward Group as one of the Top 50 property and casualty insurers in the U.S. AIM has partnered with AMIG for more than 20 years, giving agents reliable access to admitted, stable personal-lines solutions across Maryland and Virginia. Hudson Insurance Group – Personal Umbrella Coverage – Rated A (Excellent) by A.M. Best Lexington Insurance Company – Dwelling and Homeowners Coverage – Rated A (Excellent) by A.M. Best Overview of the Program From AIM Agents Insurance Markets, Inc. (AIM) offers a focused personal lines program for independent agents and brokers writing business in Maryland, North Carolina, and Virginia. The program combines admitted and non-admitted carrier options to help you place a wide range of residential and recreational property risks, including hard-to-place accounts and non-standard exposures. Ideal Accounts and Appetite This program is tailored for agents working with: Primary, seasonal, rental, and vacant dwellings (DP-1 & DP-3) Manufactured homes, including coastal and secondary-site units Personal umbrella risks, including those with youthful or otherwise challenging drivers HO-3, HO-4, and HO-6 policies requiring higher liability limits Recreational vehicles such as RVs, motorcycles, and watercraft Example fits: a client who needs a short-term vacant policy on a rental in Maryland, or an owner of a manufactured home on the Virginia coast requiring replacement-cost options and mechanical breakdown coverage. Coverage Highlights and Advantages American Modern Insurance Group (Admitted): DP-1 and DP-3 forms for owner-occupied, seasonal, rental, and vacant properties No minimum earned premium on vacant policies Short-term vacant options (3, 6, or 12 months) Liability limits up to $500,000 Manufactured home replacement-cost coverage for homes 15 years old or newer Mechanical breakdown enhancement available for manufactured homes Direct billing and multiple payment plans Hudson Insurance Group (Non-Admitted): Personal umbrella limits from $1M to $10M Eligibility for youthful drivers and other non-standard exposures Agency-bill option available Availability in Virginia and North Carolina Lexington Insurance Company (Non-Admitted): HO-3 with a $300,000 minimum Coverage A HO-4, HO-6, and DP-3 options for higher-value or unusual risks Excess flood and vacant-dwelling coverage available Liability limits up to $500,000 Underwriting Notes and Placement Flexibility AIM supports both agency-bill and direct-bill methods, and premium financing is available on select non-admitted policies. Vacant dwellings can be bound for short terms and prorated on cancellation. The program is equipped to handle both standard and non-standard risks — including challenging property conditions, coastal exposures, and drivers with difficult records — but underwriters will review each account for state-specific eligibility and limits. Territories and Availability This personal lines program is offered in Maryland, North Carolina, and Virginia. Admitted vs. non-admitted availability varies by carrier and state; agents should contact AIM for state-specific filing details and to confirm which carrier is best for a given risk. Why Work With AIM? As a Managing General Agency with long-standing carrier relationships, AIM delivers experienced underwriting, fast placement for specialty risks, and responsive service for agents. Our multi-carrier access — including long-term partnerships with American Modern and relationships with specialty markets like Hudson and Lexington — helps you place accounts that may not fit standard markets while keeping admitted options where available. If you need help placing a difficult personal-lines account in MD, NC, or VA, AIM provides the market access and underwriting flexibility agents need to get business bound and serviced efficiently. Frequently Asked Questions What types of accounts are a good fit for this personal lines program?This program is ideal for primary, seasonal, rental, and vacant dwellings, manufactured homes (including coastal risks), personal umbrella policies, and recreational vehicles. Are admitted options available through this program?Yes. Admitted options are available in many cases through carriers like American Modern (particularly in MD and VA). Non-admitted carriers provide solutions for harder-to-place or higher-limit needs. Can I write short-term policies for vacant properties?Yes. Vacant dwellings can be written for 3-, 6-, or 12-month terms, with prorated cancellation available when needed. Which states is this program available in?The program is offered in Maryland, North Carolina, and Virginia. Availability by carrier and form may vary by state. What carriers are included in this program?Agents can access American Modern Insurance Group, Hudson Insurance Group, and Lexington Insurance Company, among other specialty markets, depending on the risk. Need help placing an account? Connect with a market specialist.