Lloyd's Specialty (FL & TX)
All carriers are A.M. Best rated A or higher. Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.
Click on the Products Below
FL Homeowner (Submit for Rate)
Product Advantages
- HO-3 form
- Wind/Hail deductibles ranging from 2% to 5%
- AOP deductibles ranging from $1,000 to $10,000
- Minimum Coverage A $100,000 – Max TIV $1.5 Million
- Coverage available counties (except Monroe)
Available Coverages
- Loss Assessment $5,000 limit included in premium with option to buy up
- Extended Replacement Cost – Dwelling (100% Co-insurance required)
- Extended Liability for Additional Residences up to 2 locations (must be occupied by insured)
- Personal Injury
- Personal Property Replacement Cost
- Identity Fraud
- Water Back-up – $5,000 limit
- Ordinance and Law -10% included in premium with option to buy 25%
- Mold – $10,000/$10,000
- Scheduled Personal Property
Eligible Risks
- 1 or 2 family homes
- Construction types – Frame, Masonry/Brick, Stucco, Brick Veneer
- PC 1 – 9
- Townhomes with firewall separating units
- Year built 1945 and newer (some restrictions apply)
- No restrictions on Distance to Coast
- Primary, Secondary/Seasonal, Tenant -(Annual, Monthly, Weekly Only)
- LLC, Corp, Trusts are acceptable with completed supplemental questionnaire
- Risks with prior claims (some restrictions apply)
Ineligible Risks
- Risks in Monroe county
- Risks rented daily
- Risks undergoing renovation or course of construction or under major renovation, or for sale that are not occupied,
- PC 10
- Risks with prior Mold losses
- EFIS, Log, unusual construction types, or historical landmarks
- Fuses, aluminum or knob/tube wiring
- Risks over 40 years old where electrical, heating and plumbing have not been updated
Submission Requirements
- Completed application
TX Homeowner (Submit for Rate)
Product Advantages
- HO-B form
- Hurricane & Wind/Hail deductibles ranging from 2% to 5%
- AOP deductibles ranging from $1% ($1,000 minimum) to 5%
- Minimum Coverage A $100,000 – Max TIV $1.5 Million
- Coverage available in Tier 1 & 2
- Coverage included in premium:
- Limited Accidental Discharge
- Replacement Cost Cov – A Dwelling and Cov – C Personal Property
- Medical Payments
- Optional Endorsements available:
- Additional Premises Liability coverage (Max 2 locations, $500,000 limit)
- Water Damage Limitation and Off Premises Theft Exclusion
- Additional Insured
Eligible Risks
- 1 or 2 family homes
- PC 1 – 9
- Townhomes with firewall separating units
- Year built 1945 and newer (some restrictions apply)
- Risks more than 20 miles from the coast
- Owner and Tenant occupied
- Risks with prior claims (some restrictions apply)
- LLC, Corp, Trusts acceptable with completed supplemental questionaire
Ineligible Risks
- Risks outside Tier 1 and 2
- Risks South of Interstate 59 in Fort Bend
- Vacant, Tenant, or Seasonally occupied
- Risks undergoing renovation or course of construction or under major renovation, or for sale that are not occupied,
- PC 10
- Risks with prior Mold losses
- EFIS, Log, unusual construction types, or historical landmarks
- Fuses, aluminum or knob/tube wiring
- Risks over 40 years old where electrical, heating and plumbing have not been updated
Submission Requirements
- Completed application