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...cally active areas Multi-unit residential landlords and apartment portfolios...mary territory, but WCIS can place earthquake and DIC coverage in select other...

...ced coverage for commercial and residential property clients. This program sit...(NY), and Chesterfield Flats (MO). Earthquake coverage is excluded in CA, WA, ...

...ontents Coverage: Available for Residential and Non-Residential Properties Loss of Income Cove...nd Administrative Real Estate (Residential & Commercial) Retail ...

DIC-Earthquake — Continental Risk /Continental Mar...counts are a good fit for this DIC-Earthquake program?Commercial properties wi...

...cts. Whether your client owns a residential flip, a commercial building awaiti...gram?Ideal accounts include vacant residential or commercial buildings, proper...

... prior to construction Vacant residential buildings — single-family and mult...and, land rented to others, vacant residential or commercial buildings, and re...

...xcellent fit for: 1-4 family residential properties Vacant or unoccupied ...as deep expertise in hard-to-place residential property risks. We understand t...

Maritime Program Group now offers Homeowner's Insurance for Coastal New England, a specialized program for high-value coastal homes on Nantucket, Martha’s Vineyard, Cape Cod and similar wind-exposed locations. We underwrite high-quality coastal wind exposures and prioritize accounts with strong risk profiles. The Homeowner's Insurance for Coastal New England program is designed for responsible, low-profile owners who maintain their properties and take proactive loss-prevention measures. Ideal Accounts and Target Appetite We write coastal wind coverage for well-qualified homeowners. Typical characteristics we prefer: Responsible owners—insurance score above 750 and a track record of asset stewardship. Well-maintained properties that are regularly inspected by the owner or a caretaker. Acceptable flood exposure—properties in Flood Zones A or V may be considered when elevation is positive and required documentation is provided. Example scenarios: A year-round homeowner on Cape Cod with full alarm systems, documented elevation certificate, and no prior wind or water losses in the past five years. A seasonal owner on Nantucket who uses a professional caretaker, has a written winterization plan, and carries primary flood insurance where required. Underwriting Requirements To qualify, submissions must meet these underwriting standards: Primary flood insurance is required for properties located in Flood Zones A or V. Elevation certificates are mandatory for Flood Zones A or V; risks with negative elevation are not eligible. Homes must have central station burglar and fire alarms, plus low-temperature sensors (or a documented winterization plan for vacant homes). Any prior wind or water loss must be fully remediated with proof supplied. Homes vacant for more than 30 consecutive days require a written winterization plan (pipe drainage and maintained heat) in lieu of low-temperature sensors. Water shut-off valve is required for any new business account with a water loss within the last three years. Coverage Highlights and Advantages Key program features available to appointed producers: Available through AIG Select using ISO Form 3 HO-2000. Minimum dwelling coverage limit: $1,500,000. Minimum All Other Perils (AOP) deductible: $5,000. Hurricane deductible minimum: 2% (options up to 5%). Mandatory enrollment in the Hurricane Protection Unit for wind-exposed risks. 150% extended replacement cost may be available following an RMS inspection. Coverage Restrictions and Limits Additional Living Expense (ALE) capped at 25% of the dwelling limit. Water backup limited to $25,000. Code upgrade coverage capped at 25%. Fungi/mold coverage limited to $10,000. Liability is limited to residence premises unless a total account is written. Vacant homes actively on the market are excluded from the program. If a home becomes vacant or is listed for sale during the policy term, coverage for fire, lightning, hurricane, or water loss is excluded. Dwelling must be maintained at a minimum temperature of 65°F. No Fraud or Household SafeGuard enhancements are available (Equipment Breakdown Plus is acceptable). Primary and excess flood coverage cannot be placed through this program. Where This Program Is Available This program is available to agents and brokers in all 50 states and Washington, DC. While the focus is coastal New England, appointed producers nationwide can access this market for qualifying risks. Why Work With Maritime Program Group? Maritime Program Group is a specialty Managing General Agency with deep experience in coastal property exposures. Our underwriters understand the complexities of wind-prone, high-value homes and work to place well-qualified risks with top-tier markets. We provide clear underwriting guidelines and responsive support to help you move eligible accounts efficiently. If you represent high-net-worth clients who own primary or secondary homes in coastal New England, this program offers tailored coverage and risk-management requirements designed to protect both property and homeowner continuity. Call Maritime today for all of your Homeowner's Insurance for Coastal New England risks! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts are responsible homeowners with high insurance scores and well-maintained properties in coastal New England—examples include homes on Nantucket, Martha’s Vineyard, and Cape Cod. Are flood zone properties eligible?Properties in Flood Zones A or V may be eligible if they have positive elevation, current primary flood insurance, and a valid elevation certificate. What is the minimum coverage limit for this program?The minimum dwelling limit is $1,500,000; other deductibles and risk management requirements also apply. Can I write homes that are on the market or vacant?No. Homes that are vacant or listed for sale during the policy term are excluded from coverage for fire, water, hurricane, and related perils. Is this program available outside of New England?Yes. While focused on coastal New England, the program is accessible to appointed agents in all 50 states and DC for qualifying risks. Need help placing an account? Connect with a market specialist.

...ability, workers' compensation, earthquake, excess property, and umbrella. ...to (including commercial auto) Earthquake and catastrophe coverage In...

Overview — Vacant Building Insurance from Allstar Financial Group Allstar Underwriters offers a Vacant Building Insurance program through Allstar Financial Group designed for agents and brokers placing vacant or unoccupied properties. Vacant buildings carry elevated property and liability exposures — vandalism, fire, intruders and hidden hazards — and this program combines property, casualty and umbrella solutions to close those protection gaps quickly. Ideal Accounts and Appetite This program targets a broad set of vacant property exposures, including: Contractors (short-term vacancy during construction or between tenants) Habitational properties (vacant apartments, multifamily awaiting renovation) Office buildings and retail locations Wholesale, institutional, and other commercial vacancies Typical fits are buildings with clear vacancy plans, reasonable physical protection (fencing, boarded openings, periodic inspections) and values within the program limits. Accounts with ongoing renovation, active work by insured contractors, or those requiring project-specific wording can often be accommodated. Higher-hazard occupancies, long-term derelict properties without risk management, or properties with a history of frequent claims may fall outside appetite. Property Coverage Highlights TIV up to $5 million per location Monoline or packaged solutions No-coininsurance options available (varies by risk) Optional coverage enhancements Equipment breakdown available Risk types: Contractors, Habitational, Offices, Vacancies, Retail, Wholesale, Institutional Casualty Coverage Highlights Monoline or package casualty available Minimum premium starting at $500 (subject to underwriting) Primary limits up to $5M / $5M Project-specific policies available Uninsured subcontractor coverage where appropriate Optional endorsements and enhancements such as: Blanket additional insured Waiver of subrogation Primary and non-contributory wording Per project / per location aggregate Hired & non-owned autos (certain classes) Miscellaneous professional liability (certain classes) Risk types: Contractors, Habitational, Offices, Vacancies, Retail, Wholesale, Institutional Umbrella Coverage Highlights Limits available up to $5 million Minimum premium starting at $750 (subject to underwriting) Available as supported or unsupported umbrella Underwriting Notes and Minimums Underlying requirement examples: AM Best A-VI or better for auto or general liability AM Best B++ or better for employers liability Typical GL limits: $1M / $2M / $2M Minimum premiums and terms vary by state, risk class and coverages requested. Property TIV, protective measures, occupancy history and active risk management are key factors in pricing and eligibility. Carriers: multiple markets participate; program is administered as an MGA / E&S broker offering flexible placement options. Territories and Admission Status Availability: Most Available States. Currently available in: AL, GA, LA, MS, NC, SC, TN, VA. The program is offered through excess & surplus lines placement when required; admitted availability may vary by state and carrier. Why Work With Allstar Financial Group on Vacant Building Business Allstar’s vacant building program is designed for speed and flexibility. Underwriters are experienced with vacancy exposures and can tailor property, casualty and umbrella combinations — including project-specific wording — to suit transitional or between-tenant scenarios. Multiple carrier relationships increase placement options for harder-to-place accounts and the program’s endorsement choices (additional insureds, waiver of subrogation, per-project aggregates) help manage contractual requirements for contractors and owners. Examples of Good Fits A regional property manager with a 3-story vacant retail building undergoing planned renovation and with boarded openings and monthly inspections — needs property and GL with builder’s risk and equipment breakdown options. A contractor controlling a vacant storefront between tenants that requires project-specific primary/non-contributory GL and hired/non-owned auto coverage for subcontractors on site. Submission Guidance Submit a completed application, recent photos of the property, TIV and occupancy status, loss history and details of any risk mitigation (security, boarding, inspections). Disclose active construction, contractor exposure and projected timelines — project-specific wording may be needed. Underwriters will evaluate vacancy period, protection measures and repair/rehab plans when placing coverage and calculating rates. Frequently Asked Questions What types of vacant properties are a good fit for this program?Buildings with a clear vacancy plan, reasonable physical protection (boarded openings, fencing, inspections), TIV up to $5M per location, and occupancies such as contractors, habitational, office, retail, wholesale and institutional uses are generally a good fit. What are the minimum premiums and available limits?Minimum premiums vary by coverage: casualty typically starts around $500 and umbrella around $750, subject to underwriting. Property, casualty and umbrella limits are available up to $5M depending on the line and risk. What underwriting information does Allstar require on submissions?Provide a completed application, recent property photos, TIV, vacancy duration, loss history, and any risk mitigation details (security, inspections, repairs). Disclose active construction or contractor activity so project wording can be considered. Which states and placement options are available?The program is available in most states and is currently offered in AL, GA, LA, MS, NC, SC, TN and VA. Placement may be through admitted or E&S markets depending on state and carrier requirements. Need help placing an account? Connect with a market specialist.