Non-Admitted, Homeowners

Non-Admitted

Homeowners

St. James Insurance Group markets homeowners property coverage on behalf of an A.M. Best rated A XV carrier on an excess and surplus lines basis.

Florida General Program Parameters

Homeowners Including Wind Coverage

  • Programs available: HO3
  • Coverage A limits of $250,000 - $1,000,000
  • Customizable limits available for Coverage B, C, D, E, and F
  • No distance to coast setbacks, even on policies that include wind coverage
  • Homes may be written in LLC, trusts, or corporate names
  • Seasonal and Secondary homes are eligible
  • Online system allows for quick quotes
  • Online Credit Card and E-Check payment options
 

High Value Homeowners Excluding Wind Coverage

  • Programs available: HO3, HO6
  • Coverage A limits of $350,000 - $3,000,000
  • Optional Deductible based on Coverage A limit
  • Primary, Secondary and Seasonal Homes
  • Homes may be written in LLC, trusts, or corporate names
  • Homes $1 Million and over require a central station burglar and fire alarm
  • Appraisals will be ordered on all new bound policies

Delaware, Maryland and Virginia General Program Parameters

Homeowners Including Wind Coverage

  • Programs available: HO3
  • Coverage A limits of $200,000 - $3,000,000, higher limits may be submitted
  • Customizable limits available for Coverage B, C, D, E, and F
  • No distance to coast setbacks, even on policies that include wind coverage
  • Homes may be written in LLC, trusts, or corporate names
  • Seasonal and Secondary homes are eligible
  • Online system allows for quick quotes