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

Policy Highlights for Homeowners Insurance: Colonial General Insu...f accounts are a good fit for this Homeowners Insurance program?Ideal accounts...

Program Highlights for Homeowner Insurance: Colonial General Insurance Agency, Inc. offers a flexible, comprehensive Homeowner Insurance program to help you place a wide range of residential risks. Whether you're working with a first-time buyer, an experienced property owner, or a client purchasing a secondary residence, our program delivers competitive solutions and placement options to help you win and retain business. Ideal Accounts and Appetite This program is designed for a broad mix of residential exposures, including: One- and two-family owner-occupied homes Secondary or seasonal residences Rental properties Condominium unit owners Tenants seeking renters insurance We are particularly effective at placing risks that standard markets may decline, such as: Homes with prior losses or gaps in coverage New purchases or properties in distressed neighborhoods Applicants with no prior insurance history Lower-value homes that are well maintained Higher-value dwellings requiring tailored coverage Example scenarios you can place through this program: A homeowner who recently had a policy lapse and needs a new HO-3 with competitive terms. An investor with a single-family rental that requires extended liability and loss-of-use protection. Coverage Highlights and Advantages Colonial General uses ISO forms and offers flexibility across HO-3, HO-4, HO-6 and HO-8. Standard, automatic coverages include: Personal property Comprehensive personal liability Medical payments Other structures Loss of use Available endorsements and optional coverages help you tailor policies to client needs, such as: Extended replacement cost Water back-up and sump overflow Identity fraud expense Builder’s risk / course of construction Extended liability for rental or secondary properties Loss assessment and personal injury In-home business coverage (in select states) Underwriting Notes and Market Access Colonial General functions as both a managing general agency and an excess & surplus lines broker, giving you access to a wide range of admitted and non-admitted carriers. Underwriting emphasizes pragmatic, solutions-oriented reviews so difficult-to-place accounts get timely consideration. Some admitted markets are available depending on state and risk characteristics; where admitted capacity is limited, non-admitted options are frequently used to secure coverage. Territories and Availability This homeowner program is available in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Forms, endorsements and program availability may vary by state. Submit detailed information to get a fast, accurate indication for the appropriate market. Why Work with Colonial General? As an experienced MGA and E&S broker, Colonial General combines deep residential underwriting expertise with broad carrier access. Our team specializes in both standard and non-standard homeowner risks and focuses on practical solutions that help you place accounts other markets decline. You get responsive underwriting, flexible product options, and support to help close more business. Frequently Asked Questions What types of homeowner risks does this program accept?The program accepts owner-occupied homes, secondary residences, rental properties, condos, and renters. It also accommodates risks with prior losses, lapses in coverage, or properties in distressed markets. Are admitted markets available through this program?Yes. Some admitted markets are available depending on the state and specific risk. Colonial General also offers access to non-admitted carriers when admitted capacity is not suitable. Can I submit homes with prior claims or no prior insurance?Yes. The program is designed to help agents place risks that have been declined elsewhere, including homes with prior claims or no prior insurance history. Which ISO coverage forms are available?Colonial General offers HO-3, HO-4, HO-6, and HO-8 forms to accommodate various residential exposures. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability and coverages may vary by state. Need help placing an account? Connect with a market specialist.

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