Admitted Personal Lines, Dwelling Fire

Admitted Personal Lines

Dwelling Fire

St. James Insurance Group markets Dwelling Fire coverage on behalf of several admitted carriers.

Underwriting guidelines vary between available markets. Aggregate management issues subject certain regions to capacity limitations. Coverage is available in Florida.

General Program Parameters

  • Minimum Coverage “A” limit $70,000
  • Maximum Coverage “A” limit $1,000,000
  • Standard AOP deductible $1,000
  • Standard Hurricane or wind deductible – 2% (when wind coverage is included)
  • Proof of Updates (Electrical, Plumbing, Roof and Heating/Cooling) varies by program
  • Mobile, manufactured and log constructed dwellings are ineligible