Storefront Community

Prime Insurance Company

     Fill out the form below if you are interested in this program.
Program Details -

Non-Standard Homeowners Insurance Program


Non-Standard Homeowners Insurance Program

Prime Insurance Company is a non-admitted excess and surplus lines insurance carrier providing liability solutions for distressed and hard to place homeowners' risks that do not fit the underwriting criteria of traditional programs. In addition, Prime Insurance Company offers options to cover gaps and exclusions with customized coverage for exposures and liabilities found in typical programs. When the challenge is placement, Prime Insurance Company is here to help with insurance needs quickly and effectively.

Eligible Risks

Cancelled, Declined Or Non-Renewed Homeowners Risks

High Claims Frequency And/Or Severity

Home In Difficult Geography (i.e. Coastline, Tornado Alley, Wildfires, Crime)

Owners With Bankruptcies, Poor Credit Rating Or Criminal Convictions

Vacant Homes

Vacation Homes

High Value Homes

Prefabricated and Manufactured Homes

Nonstandard Construction (i.e. Timber Frame, Flat Roof)

Other Unusual Circumstances Or Arrangements



Tenant Liability

Mobile Home Coverage

Animal Liability

Optional Earthquake And Burglary Coverages

ATVSs & 4 Wheelers



Personal Property such as Jewelry, Guns, etc.

Excess Coverage Available


First Dollar Defense Option

Innocent Insured Protection

Installment Plans Available

Expert Counsel Provided

Expert Underwriter Reviews Account With Broker/Insured Annually

Expanded Underwriting Guidelines To Include Additional Classes

Minimum Premium Depending On Limit Provided

Exposure Specific Coverage

Tailored Description Of Services For Each Unique Risk

User Friendly Claims-Made Application Form

Available for Accounts Domiciled In The U.S.

"Outside the Limits" Option Available

Submission Requirements

Accord Application With Description Of Property

5 Years Currently Valued Loss Information

Locations Served : Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Washington,D.C., Delaware, Florida, Georgia, Hawaii, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Vermont, Washington, Wisconsin, West Virginia, Wyoming