Overview of the Program From Atlantic Specialty Lines
As an experienced excess and surplus lines broker, Atlantic Specialty Lines, Inc. specializes in placing homeowners risks that standard markets may decline. Whether a client has prior claims, needs coverage for a high-value home, or sits outside traditional underwriting guidelines, our carrier relationships and underwriting flexibility make us a reliable placement option.
Ideal Accounts and Appetite
This Homeowners Insurance program accommodates standard and non-standard residential risks, including:
- Primary residences and seasonal or vacation homes
- Owner-occupied dwellings titled to LLCs, corporations, trusts, or estates
- Coastal properties and homes in high-wind or otherwise challenging zones
- Homes with prior claims or significant loss history
- Insureds with suboptimal credit profiles
- High-value or custom-built dwellings that need tailored coverage
Example scenarios: you might have a client with a Florida coastal vacation home owned by an LLC, or a high-net-worth owner in New York with a custom estate and a recent claim history—both are the types of accounts this program is designed to place.
Coverage Highlights and Advantages
Through broad market access we can tailor coverage options to match unique exposures and risk profiles. Key advantages include:
- Access to multiple “A” rated markets to increase placement options
- Flexible underwriting for challenging or non-standard risks
- Competitive terms for both admitted and non-admitted placements
- Responsive service and efficient turnaround to keep submissions moving
Underwriting Notes and Minimum Premiums
Minimum premiums depend on the selected carrier, the property characteristics, and the exposure. Our underwriters evaluate each submission to identify the most appropriate market and practical pricing. Provide complete loss runs and photos where available to speed review on tougher risks.
Territories and Availability
This homeowners 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. We underwrite both coastal and inland properties and can handle region-specific exposures.
Why Work With Atlantic Specialty Lines?
Atlantic Specialty Lines, Inc. pairs deep underwriting expertise with broad market access and a problem-solving approach. We focus on placing business others might decline by leveraging multiple markets and offering underwriting flexibility. Our team prioritizes clear communication and partnership with agents to deliver practical solutions for complex homeowners risks.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for primary or seasonal homes, high-value dwellings, and risks with claims history, poor credit, or unique ownership structures such as LLCs or trusts.
Can you write homes located in coastal or high-wind areas?
Yes. We have markets that are comfortable with coastal exposures and can provide solutions for homes in high-risk wind zones.
Is coverage available for homes titled in the name of an LLC or trust?
Yes. We can accommodate homes titled to LLCs, corporations, estates, or trusts as named insureds, subject to carrier-specific requirements.
What is the minimum premium for this program?
Minimum premiums vary by carrier and specific risk factors. Our underwriters will review each case individually and provide appropriate pricing guidance.
What states is this program available in?
This homeowners 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.
Need help placing an account? Connect with a market specialist.