Ideal Accounts and Appetite
This program is built for agents placing residential rental properties that present unique or challenging underwriting characteristics. Typical accounts include:
- Tenant-occupied single-family and multi-family homes
- Properties titled to LLCs, corporations, trusts, or estates
- Seasonal, short-term and vacation rental properties
- Older homes and properties with prior claims history
- Applicants with credit issues or lapses in prior coverage
- Coastal properties and locations exposed to catastrophe risk
- Portfolios with multiple dwellings or several locations
Whether you represent a first-time landlord or manage a client with multiple rental units, this program provides flexible placement options for hard-to-place residential exposures.
Coverage Highlights and Advantages
We offer flexible dwelling limits that typically range from $35,000 up to $10,000,000, depending on the risk and location. Coverages can be tailored to meet lender requirements or specific landlord needs. Key program advantages include:
- Access to competitive admitted and excess & surplus markets with broad underwriting capacity
- Support for both standard and non-standard risks
- Ability to write coastal and catastrophe-exposed properties
- Options to schedule multiple properties on a single policy where appropriate
Underwriting Notes and Minimum Premiums
Underwriting is case-by-case. Minimum premiums vary by state, occupancy type, property condition and claims profile. Our underwriters review each submission and work with you to find the most appropriate market — including non-admitted solutions when admitted coverage isn’t available.
Territories and Availability
This program is available in: CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA and Washington, DC. Depending on the state and the exposure, we can place business on admitted or non-admitted paper.
Why Work With Atlantic Specialty Lines, Inc.
As an experienced Excess & Surplus Lines broker, Atlantic Specialty Lines, Inc. focuses on helping independent agents place hard-to-insure residential properties. Our strengths include strong carrier relationships, deep specialty underwriting knowledge, and responsive service designed to deliver fast turnaround and tailored solutions. We prioritize practical placement options so you can serve your landlord and investor clients with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Tenant-occupied dwellings, seasonal and short-term rentals, older homes, and properties with prior claims or credit issues are typically eligible.
Can I submit a property held in an LLC or trust?
Yes. We can write coverage for properties titled in the name of LLCs, corporations, trusts, or estates.
Are coastal properties eligible for coverage?
Yes. Our markets are open to coastal exposures, including properties in catastrophe-prone areas, subject to underwriting review.
Is this program available in my state?
This program is available in CT, DE, FL, GA, IL, IN, ME, MD, MA, NH, NJ, NY, NC, OH, PA, RI, SC, TN, VT, VA, and DC.
What is the minimum premium for a policy?
Minimum premiums vary based on property location, occupancy and risk characteristics. Contact our underwriting team for case-specific guidance.
Need help placing an account? Connect with a market specialist.