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Colonial General Insurance Agency, Inc. offers a specialized Unusual Construction Insurance program designed to help agents and brokers place accounts that fall outside of traditional residential construction parameters. If you work with clients who own or design unique or alternative homes, this program gives you access to markets that understand and underwrite these distinctive risks. Ideal Accounts and Appetite This program targets residential structures that use non-standard construction methods or have been repurposed from commercial or institutional use. Examples of eligible property types include: Monolithic concrete dome homes Straw bale homes Log homes constructed with hand-hewn or milled logs Converted structures such as former schools or churches now used as residences Mountain retreats, including those with water features like streams If you have a client with a unique structure that doesn’t fit standard homeowners or dwelling forms, this program is built to help you find a home for that business. Coverage Highlights and Advantages Colonial General works with a variety of carriers to offer flexible coverage options for unusual construction types. Available markets include both admitted and non-admitted options, allowing for tailored solutions depending on the specific risk profile and location of the property. Typical coverages may include property, liability, and additional endorsements suited to the unique exposures of these non-traditional properties. Underwriting Notes Underwriting is case-by-case, with a focus on structural integrity, maintenance history, and intended use. Because of the distinct nature of each risk, detailed submission information is essential. Colonial General’s underwriting team is experienced in evaluating these unique risks and can help you navigate the placement process efficiently. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has deep regional expertise and strong carrier relationships in these territories. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings broad market access and underwriting experience specific to non-standard residential risks. Their team understands the challenges agents face when trying to place unique or converted properties and provides responsive support to help you close tough-to-place accounts. Whether your client is building a straw bale retreat in New Mexico or converting a historic church in California into a home, Colonial General can help you secure appropriate coverage solutions. Contact Colonial General today to learn more about the Unusual Construction Insurance program and how it can support your unique property accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential structures with non-traditional construction, such as dome homes, straw bale houses, log cabins, and converted churches or schools used as homes. Is this program available in all states?No, Colonial General currently offers this program in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available?Yes, Colonial General offers access to both admitted and non-admitted markets depending on the risk and location. Can I submit a property located near a stream or with unique environmental features?Yes, properties like mountain retreats with streams may be eligible, though underwriting will review environmental exposures closely. What submission information is required?Detailed property information, construction details, usage, photos, and any prior insurance history will help expedite the underwriting process. Need help placing an account? Connect with a market specialist.

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