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

...s. Ensuring they have the right homeowners insurance is critical, especially i...on-admitted?This is a non-admitted homeowners insurance program, which allows ...

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

...ard Liability Limit: $1,000,000 HO3 and HO5 forms available Ideal Accoun...uctures. Do you need a High Value Homeowners Insurance quote? Send an email t...

... the coast Dwellings insured on HO3 or DP3 forms Homes owned by indivi...ts are a good fit for this Coastal Homeowners program?Ideal accounts include p...

... Preferred and standard homeowners with clean driving records ...

...fers a flexible and competitive homeowners program designed specifically for c...s ideal for: High-net-worth homeowners with properties valued above sta...

Check out Southern Insurance Underwriters, Inc.'s admitted and E&S markets for Lessor Risk Insurance! Southern Insurance Underwriters, Inc. (SIU) offers a flexible admitted program for Lessor Risk Insurance designed for agents who need broad, A-rated market access and practical underwriting solutions. SIU places General Liability, Property, Crime, Inland Marine and Automobile coverage for a wide range of lessor exposures. Both Standard and Non-Standard placement options are available — and SIU can provide quotes on most risks you have the opportunity to write. Overview of the Program From Southern Insurance Underwriters, Inc. This program is delivered by SIU as a managing general agency with access to multiple "A" rated carriers. It is intended to protect lessors from third-party liability, physical damage to owned property and leased equipment, crime and inland marine exposures tied to leased property, and automobile liability where applicable. SIU emphasizes practical, market-driven solutions for agents placing small to mid-sized lessor portfolios across AL, GA and SC. Ideal Accounts and Appetite Commercial property lessors and landlords (retail strips, small office buildings, industrial units) Equipment lessors and specialty leasing operations that need Inland Marine and Property protection Vehicle leasing and fleet lessors looking for Auto and Liability packages Storage and self-storage operators where tenant property exposures and crime coverage are concerns Typical fits are accounts with straightforward lease documentation, clear loss control practices and total insured values within program guidelines. SIU can also consider non-standard or higher-risk placements through E&S markets when risks fall outside company underwriting limits. Coverage Highlights and Advantages Access to multiple "A" rated carriers for admitted placements Coverage lines available: General Liability, Property, Crime, Inland Marine, Automobile Up to $3 million in Total Insured Value (TIV) without reinsurance — larger programs considered via reinsurance or E&S Property enhancement endorsement offering 20+ additional coverages to tailor protection Not credit or insurance scored — simplifies qualifying smaller or specialty lessors Excess and Umbrella capacity available to broaden limits Underwriting Notes and Minimum Premiums Admitted placements are available where state rules and carrier appetite permit; E&S is used for risks outside those guidelines. Underwriting is risk-specific — minimum premium and final terms vary by carrier, line of coverage and the individual account. Common submission items include lease schedules, loss runs, property values and basic risk control information. Territories and Availability This program is available in AL, GA and SC. SIU positions most business in admitted markets when possible and will access E&S markets for risks that require non-admitted placement or exceed admitted company limits. Why Work With Southern Insurance Underwriters, Inc. on Lessor Risk Insurance Wholesale MGA model gives agents fast access to multiple A-rated admitted markets and E&S solutions. Program flexibility — combination property, liability and inland marine placements tailored to lessor exposures. Experienced underwriting focused on practical, marketable solutions for independent agents. Example scenarios You might have a client who owns several small retail storefronts and needs a combined package for building property, general liability and crime coverage — this program can quote admitted coverage and add excess limits when needed. Or you might place an equipment lessor with $2M in leased assets that needs inland marine plus liability; SIU can consider that account within the $3M TIV guideline or refer to E&S for larger portfolios. Frequently Asked Questions What types of lessor accounts are a good fit for this program?Commercial property owners/landlords, equipment lessors, vehicle leasing operations and small storage operators are core fits. The program works best for accounts with clear lease schedules, standard occupancy types and documented loss control. Is coverage admitted or non-admitted?SIU places most business in admitted markets where available. E&S markets are used for risks outside admitted carrier guidelines or when a non-admitted solution is necessary. What is the Total Insured Value (TIV) limit before reinsurance is needed?SIU will consider up to $3 million in TIV without reinsurance. Larger TIVs may be handled with reinsurance or placed through E&S, depending on the account. What submission information do I need to get a quote?Provide a lease schedule or list of locations/assets, recent loss runs, property values and a summary of operations. Additional details may be requested depending on the lines you need (auto schedules, inland marine schedules, etc.). Are enhancements like excess limits and endorsements available?Yes. The program offers property enhancement endorsements (20+ additional coverages) and excess/umbrella capacity to help tailor limits and coverage to client needs. Need help placing an account? Connect with a market specialist.

Protect foreclosed, bank-owned, and investment properties from vandalism, theft, natural disasters, and other hazards with Southern Insurance Underwriters, Inc. (SIU). As a Managing General Agency with access to multiple carriers, SIU provides tailored Bank-Owned Home Insurance solutions for properties in transition throughout AL, FL, GA, and SC. Overview of the Program From Southern Insurance Underwriters, Inc. SIU’s Bank-Owned Home Insurance program is built for agents placing coverage for lenders, banks, real estate investors, and property managers who need protection for vacant, foreclosed, or tenant-occupied residential properties. The program supports both single-location accounts and large portfolios, and it is designed to simplify administration while meeting lender and investor requirements. With flexible scheduling and multi-carrier access, SIU lets you consolidate vacant and occupied homes under one policy. That reduces administrative burden for clients who manage mixed-occupancy portfolios or scattered-site REO holdings across multiple states. Ideal Accounts and Appetite SIU is actively looking for: Bank-owned or foreclosed residential properties Vacant dwellings awaiting resale, renovation, or tenant placement Investment homes held by individual investors or corporate owners Mixed portfolios containing a combination of vacant and occupied locations Example fits: You might have a community bank that recently acquired several foreclosed homes across two states and needs a single policy to track status changes monthly. Or you could be working with a real estate investor who holds dozens of rental and vacant homes and wants per-location limits and umbrella options. Coverage Highlights and Advantages Bank-Owned Home Insurance Coverage Highlights: Policies may be issued in the name of a DBA, bank, or company Monthly reporting structure for dynamic property updates and earned premium adjustments Monthly earned premium applies for vacant dwellings Ability to combine vacant and occupied properties on a single schedule Commercial package options available, including General Liability and Property coverage Per-location aggregate limits available for large portfolios Umbrella coverage options to increase overall liability protection Flexible Scheduling Options Support for multi-state schedules Personal and commercial properties can be handled on the same schedule for easier account management Limits General Liability limits up to $1,000,000 per occurrence / $2,000,000 aggregate No fixed maximum policy limit—contact underwriting for large or complex portfolios Underwriting Notes and Minimum Premiums Minimum premiums and specific underwriting terms vary by property type, occupancy status, and location. SIU’s underwriting team partners with agents to evaluate risk and structure policies that match a client’s portfolio. The monthly reporting model helps keep premiums aligned with actual exposure as properties move from vacant to occupied or vice versa. Territories and Availability This program is available in the following states: Alabama (AL) Florida (FL) Georgia (GA) South Carolina (SC) Most markets are available on an admitted basis; contact SIU underwriting for state-specific admitted/non-admitted details. Why Work With Southern Insurance Underwriters, Inc.? SIU brings decades of regional experience and strong carrier relationships that help agents place complex bank-owned and investment property risks. Their underwriting team is responsive and experienced with multi-state schedules, monthly reporting, and mixed-occupancy portfolios—making it easier for you to scale coverage as your client’s inventory changes. If you need help placing an account, connect with a market specialist through the quote link below to discuss appetite, minimums, and submission requirements. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include bank-owned homes, foreclosed properties, vacant dwellings, and real estate investment portfolios with mixed occupancy. Can I combine vacant and occupied properties under one policy?Yes. This program allows both vacant and occupied properties to be placed on a single policy and schedule for easier administration. Is this program available in multiple states?Yes. The program supports multi-state schedules and is currently available in AL, FL, GA, and SC. What coverage limits are offered?General Liability up to $1 million per occurrence / $2 million aggregate is available. There is no set maximum policy limit—contact underwriting for large portfolios. Who can be named on the policy?The policy can be issued in the name of a DBA, bank, or company, depending on your client’s ownership structure. Need help placing an account? Connect with a market specialist.