Alabama Homeowner Products 

Our homeowner products are designed for primary, full-time occupied residences as well as secondary occupancy. We even have a place for the seasonal risk that may be rented to others occasionally. The HO-3 is our most popular form and includes replacement coverage on the dwelling for most homes. Some companies offer the ability to endorse replacement cost on personal property as well as schedule valuable items. The HO-8 is a named peril policy for those risks that do not qualify for the HO-3. Coverage is available for all protection classes. Photos are not required from the agent as inspections are ordered by the company.  

Certain Underwriters @ Lloyd’s - is an "A" rated company. This is our most accommodating company. They offer the HO-3, HO-4 and HO-8 forms for primary or secondary occupancy. They can even accommodate the seasonal risks that may be rented occasionally. The maximum dwelling value is $500,000 for the HO-3 and $200,000 for the HO-8. Lloyd’s accepts homes with wood roofs, asbestos siding, and semi or unprotected homes. This company is designed to make room for the "hard to place" risks.  

Aegis Security – is an “A” rated admitted company. The Bronze program is written on a basic peril form which includes personal property, unattached structures, loss of use, personal liability and medical payments. This program is designed for older homes $40,000 to $125,000. Used for primary and secondary occupancy.

Alterra Specialty - is an "A" rated company. The program is designed for the better than average homeowner with values ranging from $175,000 up to and over $1,000,000 TIV in protection classes 1-8. The focus with this program is on the preferred homeowner, with the best fit being homes located in coastal counties written on an X-wind basis.

Lexington - is an "A" rated company. This program offers the HO-3 and HO-6 forms. This program is very competitive on high value homes located in coastal areas. It is written to include the peril of wind. 

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