for harder-to-place risks
• Rental properties
• Vacation or second homes
• Homes with a claims history
• Landlords with 10 or more properties
• Homes not needing liability coverage
• Owners with less than perfect credit

… and also for unusual risks
• Cabin with no utilities
• Stand-alone structures ex. boat slip or pole barn
• Homes undergoing a renovation
• Rental property between tenants
• Vacant homes, manufactured homes and condos