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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 ...

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.

Homeowners Insurance Program from Monarch E&am...s is this program available in?The Homeowners Insurance Program is currently o...

...ffer flexible and comprehensive Homeowners Insurance solutions using ISO forms...f accounts are a good fit for this homeowners program?We can place primary or ...

HOMEOWNERS INSURANCE RISKS Jacobs & Assoc...f accounts are a good fit for this Homeowners Insurance program?Ideal accounts...

RISC's Home Select is a High-Value Homeowners Insurance solution tailored for hom... Work With RISC Inc. on High-Value Homeowners? RISC Inc. specializes in placin...

Coastal Homeowners Program from BUA BUA's Coastal Homeowners program is designed to help insuran...ts are a good fit for this Coastal Homeowners program?Ideal accounts include p...

METCOM PREMIER 3 COASTAL HOMEOWNER PROGRAM Overview of the Program From Metcom Excess Metcom Excess is proud to offer the METCOM Premier 3 Coastal Homeowner Program—an exclusive solution for insuring coastal residential properties in New Jersey. Designed to provide independent agents with a competitive and flexible market, this program addresses the unique needs of homes located in coastal counties, with no restrictions on distance to the shoreline. Backed by an A XV rated, London-based non-admitted carrier, you can count on reliable underwriting and superior claims handling for your clients. Ideal Accounts and Appetite This program is tailored for a variety of owner-occupied properties, including: Primary and secondary homes with minimal seasonal rental exposure Owner-occupied seasonal homes with up to four rental units Homes with Coverage A values ranging from $300,000 to $1,000,000 Newer construction homes are preferred For example, you might have a client with a vacation home in Cape May that they occasionally rent during the summer. Or, perhaps they own a newer secondary residence in Ocean County that doesn't meet traditional carrier guidelines due to proximity to the coast—this program could be the solution. Coverage Highlights and Advantages The METCOM Premier 3 program offers competitive forms and rates, with several built-in and optional enhancements to meet your clients' needs: No coastal distance restriction within New Jersey Superior claims handling and service Automatic increases to special limits under the HO3 form Optional water backup coverage Identity fraud expense protection Increased Credit Card/Electronic Fund Transfer coverage Ordinance or Law coverage available for most risks Underwriting Notes and Premium Guidelines Policies are underwritten through a highly rated, non-admitted London-based carrier, giving agents access to niche property solutions not available in the admitted market. While minimum premium details are not specified, the program is built to be competitive in the excess & surplus space, especially for higher-value homes or those with minor rental exposure. Territories and Availability This program is available throughout all coastal counties in New Jersey. There are no restrictions based on distance to the coast, making it ideal for homes that would otherwise fall outside standard market guidelines due to wind or flood exposure concerns. Why Work With Metcom Excess on This Business Metcom Excess is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in coastal property exposures. Their exclusive program access, responsive underwriting, and strong carrier relationships make them a valuable partner for agents looking to place challenging or high-value coastal homeowner accounts. If you're working with clients in New Jersey's coastal regions and need a flexible, reliable, and competitive solution, the METCOM Premier 3 program is designed for you. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include owner-occupied primary, secondary, and seasonal homes in New Jersey coastal counties, especially newer homes with limited rental exposure. Are there any restrictions on how close a property can be to the coast?No, the program has no distance-to-coast restriction, making it suitable for waterfront and near-shore properties. Is rental activity allowed under this program?Yes, minimal summer rentals are acceptable for primary or secondary homes. Seasonal homes can have up to four rental units. What enhancements are available with the policy?Optional enhancements include water backup, identity fraud expense, increased special limits on the HO3 form, and Ordinance or Law coverage. How is this program underwritten?Policies are underwritten through an A XV rated, London-based non-admitted carrier, offering strong financial backing and flexible underwriting. Need help placing an account? Connect with a market specialist.

...ed by condominium associations, homeowners associations (HOAs), and similar re...