https://completemarkets.com/company/vwcos/Personal-Lines-/
Comprehensive Personal Lines Solutions from Van Wagoner Companies, Inc.
Van Wagoner Companies, Inc. gives brokers and independent agents access to a broad, flexible Personal Lines program built for residential and personal risks that often sit outside standard market appetite. As an experienced Managing General Agency with strong carrier relationships—including Lloyds and Markel International—we place admitted and surplus lines business for hard-to-place, non-standard, and unique exposures across multiple states.
Ideal Accounts and Appetite
This program is designed for agents who need reliable markets for a wide range of personal property and liability risks. Typical accounts we write include:
Single-family homes, including high-value and historic dwellings
Rental properties and portfolios of rental dwellings
Seasonal, vacant, or unoccupied homes awaiting sale or renovation
Condominiums and apartment units
Foreign-owned or owner-located-outside-the-U.S. homes
Properties in flood- or wildfire-prone areas
Personal articles and collections (fur, jewelry, fine arts)
Farm and ranch properties with both residential and agricultural exposures
Example: You might have a client with multiple rental dwellings in different states or a vacation home in a wildfire zone—Van Wagoner Companies can help you find the right admitted or surplus solution to place the account.
Coverage Highlights and Advantages
Through both standard and specialty markets, this program offers a full spectrum of coverages tailored to complex personal risks:
Homeowners & Dwelling Options
Homeowners forms A, B, C, 1–6, 8
Dwelling Fire (TP 1, 2, 3)
Condominium unit-owner and apartment coverages
Rental and vacant dwelling programs
Flood insurance placement
Coverage for foreign-owned homes
Personal articles coverage for valuables, collections, and scheduled items
Farm & Ranch
Property coverage for residences, barns, and equipment
Animal mortality options
Farm liability, including premises and operations
Because we place both admitted and non-admitted business, Van Wagoner Companies can accommodate unique property characteristics, recent lapses, or other underwriting challenges that limit standard-market availability.
Underwriting Notes and Minimum Premiums
Underwriting and minimum premiums vary by carrier and state. Our underwriting team offers flexible guidelines and will work with you to identify the most appropriate admitted or surplus market for each account. Provide complete loss history and detailed property information for the quickest response.
Territories and Availability
This Personal Lines program is currently available in: Arizona, Arkansas, California, Connecticut, Delaware, Idaho, Iowa, Nevada, New Mexico, Oklahoma, Pennsylvania, Texas, Utah, and Wyoming. We continue to expand capabilities—contact us to confirm current availability for a specific risk.
Why Work With Van Wagoner Companies, Inc.?
Van Wagoner Companies brings decades of MGA experience focused on personal property programs that fall outside traditional underwriting molds. Our carrier access (including Lloyds and Markel International), combined with hands-on underwriting and quick turnarounds, helps you place challenging risks and grow your book. We emphasize personalized service, pragmatic underwriting, and solutions-driven placement.
Frequently Asked Questions
What types of accounts are a good fit for this Personal Lines program?This program fits owner-occupied homes, rental properties, vacant dwellings, condominiums, foreign-owned homes, and farm or ranch properties with residential exposures.
Can you write coverage for vacant or seasonal homes?Yes. We place both vacant and seasonal dwellings, including homes awaiting renovation or sale, using admitted or surplus markets as appropriate.
Are high-value homes or collections eligible for coverage?Yes. We can insure high-value homes and provide personal articles scheduling for valuables such as fur, jewelry, and fine arts.
Is this program available on an admitted or non-admitted basis?We access both admitted and non-admitted markets to give you the flexibility to place risks that standard carriers may decline.
In which states is this Personal Lines program available?Coverage is currently available in AZ, AR, CA, CT, DE, ID, IA, NV, NM, OK, PA, TX, UT, and WY.
Need help placing an account? Connect with a market specialist.